Servicemembers’ Group Life Insurance (SGLI)

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This simple hack // ensures that the height is not computed until the next run of the event // loop setTimeout(() => { navTriggerPlaceholder.style.height = getButtonHeight(true) + 'px' buttonBackground.style.height = getButtonHeight(false) + 'px' }, 0) } function setMenuTriggerPosition() { navTriggerPosition = navTriggerPlaceholder.offsetTop } function pinTrigger() { if (mobileMediaQuery.matches) { if (navTriggerPosition < window.pageYOffset) { navTrigger.classList.add('fixed-trigger') } else { navTrigger.classList.remove('fixed-trigger') } } } // As the document loads, make sure the height and trigger positions are // updated document.onreadystatechange = () => { setElementHeights() setMenuTriggerPosition() } window.addEventListener( 'resize', () => { // The height of the trigger can change at extreme browser widths setElementHeights() // The trigger can be pushed up/down as elements above it change height as // the browser width changes setMenuTriggerPosition() // We might need to pin/unpin the trigger if we transitions from/to mobile // browser widths pinTrigger() }, false ) window.addEventListener( 'scroll', () => { // We are resetting the trigger button's position on scroll just in case any // elements have been removed from above the menu trigger, such as a // dismissible alert. setMenuTriggerPosition() // Primarily scrolling will pin/unpin the trigger from the top of the // viewport pinTrigger() }, false ) </script> <article class="usa-content vads-u-padding-bottom--0"> <div data-widget-type="i18-select"></div> <h1>Servicemembers’ Group Life Insurance (SGLI)</h1> <div class="va-introtext"> <p>Servicemembers’ Group Life Insurance (SGLI) offers low-cost term coverage to eligible service members. If you’re a service member who meets certain criteria, we’ll automatically sign you up. Find out if you’re eligible and learn how to manage your SGLI coverage.</p> </div> <va-on-this-page></va-on-this-page> <div class="feature"> <div data-template="paragraphs/q_a" data-entity-id="5169" data-analytics-faq-section data-analytics-faq-text="Am I eligible for SGLI?"> <div id="5169"> <div class="vads-u-display--flex"> <h2 id="am-i-eligible-for-sgli"> Am I eligible for SGLI? </h2> </div> <div data-entity-id="5169"> <div data-template="paragraphs/wysiwyg" data-entity-id="5170"> <div itemprop="text"> <p>You may be eligible for full-time SGLI coverage if you meet at least 1 of these requirements.</p><p><strong>At least 1 of these must be true:</strong></p><ul><li>You’re an active-duty member of the Army, Navy, Air Force, Space Force, Marines, or Coast Guard, <strong>or</strong></li><li>You’re a commissioned member of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS), <strong>or</strong></li><li>You’re a cadet or midshipman of the U.S. military academies, <strong>or</strong></li><li>You’re a member, cadet, or midshipman of the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises, <strong>or</strong></li><li>You’re a member of the Ready Reserve or National Guard, assigned to a unit, and scheduled to perform at least 12 periods of inactive training per year, <strong>or</strong></li><li>You’re a volunteer in an Individual Ready Reserve (IRR) mobilization category</li></ul><p><strong>If you’re in nonpay status with the Ready Reserve or National Guard,</strong> you may be eligible for full-time SGLI coverage if you meet both of these requirements:</p><ul><li>You’re scheduled for 12 periods of inactive training for the year, <strong>and</strong></li><li>You’re drilling for points rather than pay</li></ul><p><strong>Note:</strong> You must pay your premiums directly.</p> </div> </div> </div> </div> </div> <div data-template="paragraphs/q_a" data-entity-id="5171" data-analytics-faq-section data-analytics-faq-text="Who’s covered?"> <div id="5171"> <div class="vads-u-display--flex"> <h2 id="whos-covered"> Who’s covered? </h2> </div> <div data-entity-id="5171"> <div data-template="paragraphs/wysiwyg" data-entity-id="5172"> <div itemprop="text"> <p>Service members</p> </div> </div> </div> </div> </div> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="5180"> <div itemprop="text"> <h2 id="accessing-and-managing-sgli-wh">Accessing and managing SGLI while you’re serving</h2><h3 id="what-kind-of-life-insurance-be">What kind of life insurance benefits can I get with SGLI?</h3><p>You can get benefits like these:</p><ul><li>Coverage up to the top limit of $500,000—in $50,000 increments</li><li>120 days of free coverage from the date you leave the military</li><li>Extension of free coverage for up to 2 years (if you’re totally disabled) when you leave the military<br><a href="#can-i-get-a-free-extension-of-">Get information on the SGLI-Disability Extension</a></li><li>Part-time coverage (if you’re a Reserve member who doesn’t qualify for full-time coverage)</li></ul><h3 id="how-do-i-get-these-benefits">How do I get these benefits?</h3><p>If you qualify for SGLI, we’ll automatically sign you up through your service branch. Check your unit’s personnel office for more information.</p><h3 id="can-i-make-changes-to-my-benef">Can I make changes to my benefits?</h3><p>Yes. You can choose your level of coverage or even refuse coverage completely. You can also choose your beneficiaries (the people you pick to get the money from your life insurance policy if you die) and change them as needed.</p><h4 id="how-to-change-your-beneficiari">How to change your beneficiaries—or reduce, turn down, or restore your SGLI coverage</h4><p>Please submit your changes online through the SGLI Online Enrollment System (SOES). These are the steps to access SOES:</p> </div> </div> <div data-template="paragraphs/process" data-entity-id="5181" class="process schemaform-process"> <va-process-list> <va-process-list-item><p><a href="https://milconnect.dmdc.osd.mil/milconnect/">Go to milConnect</a></p></va-process-list-item> <va-process-list-item><p>Sign in.</p></va-process-list-item> <va-process-list-item><p>Select <strong>Manage my SGLI</strong>.</p></va-process-list-item> <va-process-list-item><p>Check your coverage and beneficiary information and make any needed updates. A beneficiary is the person you pick to get the money from your life insurance policy if you die.</p></va-process-list-item> </va-process-list> </div> <div data-template="paragraphs/wysiwyg" data-entity-id="5182"> <div itemprop="text"> <p>You can log in with your CAC or DS Logon as soon as you receive a notice that you can start using SOES.</p><p><a href="https://www.benefits.va.gov/INSURANCE/SOES.asp">Learn more about SOES</a></p><h3 id="how-much-will-i-pay-for-these-">How much will I pay for these benefits?</h3><p>If you have SGLI coverage, you’ll pay a monthly premium that’ll be automatically taken out of your base pay. The current basic SGLI premium rate is 6 cents per $1,000 of insurance coverage. The premium includes an additional $1 per month for Traumatic Injury Protection coverage (TSGLI).</p><p><a href="/life-insurance/options-eligibility/tsgli" data-entity-type="node" data-entity-uuid="ed7613fd-44db-47bf-b962-c3aabf5d9077" data-entity-substitution="canonical" hreflang="en" title="Traumatic Injury Protection (TSGLI)">Learn more about TSGLI</a></p> </div> </div> <va-table data-template="paragraphs/table" data-entity-id="103357" table-title="Monthly SGLI premium rates" table-type="bordered" uswds> <va-table-row> <span>Coverage amount (in U.S. $)</span> <span>Monthly premium rate (in U.S. $)</span> <span>TSGLI premium (in U.S. $)</span> <span>Total monthly premium deduction (in U.S. $)</span> </va-table-row> <va-table-row> <span> 500,000 </span> <span> 30.00 </span> <span> 1.00 </span> <span> 31.00 </span> </va-table-row> <va-table-row> <span> 450,000 </span> <span> 27.00 </span> <span> 1.00 </span> <span> 28.00 </span> </va-table-row> <va-table-row> <span> 400,000 </span> <span> 24.00 </span> <span> 1.00 </span> <span> 25.00 </span> </va-table-row> <va-table-row> <span> 350,000 </span> <span> 21.00 </span> <span> 1.00 </span> <span> 22.00 </span> </va-table-row> <va-table-row> <span> 300,000 </span> <span> 18.00 </span> <span> 1.00 </span> <span> 19.00 </span> </va-table-row> <va-table-row> <span> 250,000 </span> <span> 15.00 </span> <span> 1.00 </span> <span> 16.00 </span> </va-table-row> <va-table-row> <span> 200,000 </span> <span> 12.00 </span> <span> 1.00 </span> <span> 13.00 </span> </va-table-row> <va-table-row> <span> 150,000 </span> <span> 9.00 </span> <span> 1.00 </span> <span> 10.00 </span> </va-table-row> <va-table-row> <span> 100,000 </span> <span> 6.00 </span> <span> 1.00 </span> <span> 7.00 </span> </va-table-row> <va-table-row> <span> 50,000 </span> <span> 3.00 </span> <span> 1.00 </span> <span> 4.00 </span> </va-table-row> </va-table> <div data-template="paragraphs/wysiwyg" data-entity-id="103358"> <div itemprop="text"> <h2 id="applying-for-vgli-when-you-sep">Converting your SGLI coverage when you separate or retire</h2><h3 id="how-do-i-apply-for-vgli-when-i">How do I convert my SGLI coverage <strong>to VGLI or an individual insurance policy?</strong></h3><h4>Convert to VGLI</h4><p>When you leave the military, you can apply for Veterans’ Group Life Insurance (VGLI) within 1 year and 120 days from your date of discharge for up to the amount of coverage you had through SGLI.</p><p><a href="/life-insurance/options-eligibility/vgli" data-entity-type="node" data-entity-uuid="12bd3e3b-75b4-4c94-a910-0d14d30d2095" data-entity-substitution="canonical" hreflang="en" title="Veterans’ Group Life Insurance (VGLI)">Find out how to apply for VGLI</a></p><h4>Convert to an individual insurance policy</h4><p>When you leave the military, you have the option to convert your SGLI coverage to a permanent, individual insurance policy (like whole life) within 120 days from your date of discharge without proof of good health.</p><p><a href="https://www.benefits.va.gov/INSURANCE/forms/SGL-133.pdf">Check the list of participating companies and learn how to convert to an individual policy (PDF)</a></p><h2 id="getting-an-extension-of-sgli-c">Getting an extension of SGLI coverage</h2><h3 id="can-i-get-a-free-extension-of-">If I’m disabled when I leave the military, can I get a free extension of my SGLI coverage?</h3><p>You may be able to keep your coverage for up to 2 years after the date you leave the military at no cost to you if you meet either of the requirements listed here.</p><p><strong>At least 1 of these must be true:</strong></p><ul><li>You’re totally disabled at the time of your discharge and unable to work, <strong>or</strong></li><li>No matter your work status, you’ve had 1 of these conditions:<ul><li>Total loss of hearing in both ears</li><li>Loss of speech that leaves you unable to talk—even in a whisper—without the help of an artificial device</li><li>Permanent (long-lasting) loss of use of both of your hands, feet, or eyes, or 1 hand and 1 foot, or 1 hand or foot and 1 eye</li></ul></li></ul><h3 id="how-do-i-apply-for-an-sgli-dis">How do I apply for an SGLI Disability Extension?</h3><p>You’ll need to apply for the Servicemembers’ Group Life Insurance Disability Extension (SGLI-DE).</p><p>To apply, fill out the SGLI Disability Extension Application (SGLV 8715) and send it to the OSGLI address listed on the application.</p><p><a href="https://www.benefits.va.gov/insurance/forms/8715.htm" hreflang="en">Get SGLV 8715 to download</a></p><p>If you get approved, you’ll receive a notice 20 months after your separation date letting you know that your SGLI-DE will end and that you now have the option to pay a premium for Veterans’ Group Life Insurance (VGLI).</p><p>If you pay the VGLI premium, you’ll be able to keep your life insurance coverage for as long as you keep paying the premiums.</p><p><a href="/life-insurance/options-eligibility/vgli" data-entity-type="node" data-entity-uuid="12bd3e3b-75b4-4c94-a910-0d14d30d2095" data-entity-substitution="canonical" hreflang="en" title="Veterans’ Group Life Insurance (VGLI)">Learn more about VGLI</a></p><h2 id="how-to-get-help-with-your-clai">How to get help with your claim</h2><p>If you have questions about Servicemembers’ or Veterans’ Group Life Insurance, you can call the Office of Servicemembers’ Group Life Insurance (OSGLI) at <a href="tel:18004191473" aria-label="8 0 0. 4 1 9. 1 4 7 3.">800-419-1473</a>, or <a href="mailto:osgli.osgli@prudential.com" hreflang="en">email the Prudential Insurance Company</a>.</p><h2 id="forms-that-you-or-your-benefic">Forms that you or your beneficiary would need</h2><ul><li><strong>To receive an insurance payment after a service member has died,</strong> a beneficiary would file a Claim for Death Benefits (SGLV 8283). <br><a href="https://www.benefits.va.gov/insurance/forms/8283.htm">Get SGVL 8283 to download</a></li><li><strong>To receive payment for a qualifying traumatic injury,</strong> complete an Application for TSGLI Benefits (SGLV 8600).<br><a href="https://www.benefits.va.gov/INSURANCE/forms/TSGLIForm.htm" hreflang="en">Get SGLV 8600 to download</a></li><li><strong>To request an advance insurance payment for a service member who’s terminally ill,</strong> file a Claim for Accelerated Benefits (SGLV 8284).<br><a href="https://benefits.va.gov/INSURANCE/forms/8284.htm" hreflang="en">Get SGLV 8284 to download</a></li></ul> </div> </div> <div class="row"> <div class="usa-content"> <aside class="va-nav-linkslist va-nav-linkslist--related"> <section data-template="paragraphs/list_of_link_teasers" data-entity-id="5166" class="field_related_links"> <h2 id="more-information-about-your-be" class="va-nav-linkslist-heading" tabindex="-1"> More information about your benefits </h2> <ul class="va-nav-linkslist-list"> <li data-template="paragraphs/linkTeaser" data-entity-id="5167" data-links-list-header="Access your policy online" data-links-list-section-header="More information about your benefits"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id> <va-link href="/life-insurance/manage-your-policy" text="Access your policy online"> </va-link></h3> <p class="va-nav-linkslist-description">Already have VA life insurance? Access your policy online.</p> </li> <li data-template="paragraphs/linkTeaser" data-entity-id="5168" data-links-list-header="Claims for disabled and terminally ill policyholders" data-links-list-section-header="More information about your benefits"> <h3 class="va-nav-linkslist-title vads-u-font-size--h4" id="-1"> <va-link href="/life-insurance/totally-disabled-or-terminally-ill" text="Claims for disabled and terminally ill policyholders"> </va-link></h3> <p class="va-nav-linkslist-description">If you become totally disabled or terminally ill, find out if you can get certain benefits.</p> </li> </ul> </section> </aside> </div> </div> <va-back-to-top></va-back-to-top>  <div class="last-updated usa-content vads-u-padding-x--1 desktop-lg:vads-u-padding-x--0"> <div class="mobile-lg:vads-u-display--flex above-footer-elements-container"> <div class="vads-u-flex--auto"> <span class="vads-u-text-align--justify"> <p>Last updated: <time datetime="2025-03-19">March 19, 2025</time></p> </span> </div> <div class="vads-u-flex--1 vads-u-text-align--right"> <span class="vads-u-text-align--right"> <button type="button" class="feedback-button usa-button" id="mdFormButton" aria-label="give feedback"> Feedback </button> </span> </div> </div> </div> </article> </div> </div></main> </div> </div>   <footer class="footer"> <div id="footerNav" data-minimal-footer="false"></div> </footer> <div id="logout-modal-root"></div>  <script nonce="dCXLOywkyvcYU2XZQbuQhw0390U4IDuN" type="text/javascript"> (function() { var module = {}; 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Servicemembers’ Group Life Insurance (SGLI) | Veterans Affairs