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Servicemembers' Group Life Insurance (SGLI) Benefits

Program Description

Servicemembers' Group Life Insurance (SGLI) is low-cost term insurance for members of the uniformed services.

SGLI is a group life insurance policy purchased by the Department of Veterans Affairs (VA) from a commercial life insurance company. SGLI coverage is available in $50,000 increments up to the maximum amount of $400,000. Servicemembers are automatically insured for the maximum coverage amount of $400,000 unless they decline coverage or elect a reduced amount.

SGLI members have two options available to them upon release from service. They can convert their full-time SGLI coverage to renewable term insurance under the Veterans' Group Life Insurance (VGLI) program or to a permanent plan of insurance with one of the participating commercial insurance companies.

General Program Requirements

In order to qualify for this benefit program, you must currently be serving in the military in any of the following branches/areas:
  • Commissioned, warrant and enlisted members of the Army, Navy, Air Force, Marine Corps and Coast Guard
  • Commissioned members of the National Oceanic and Atmospheric Administration and the Public Health Service
  • Cadets or midshipmen of the four United States Service Academies
  • Ready Reservists scheduled to perform at least 12 periods of inactive training per year
  • Members of the Individual Ready Reserves who volunteer for assignment to a mobilization category
Part-time coverage is available for eligible members of the Reserves and Reserve Officer Training Corps who do not qualify for full-time coverage.

If you are a Servicemember in one of the above categories, you are automatically covered under SGLI for the maximum amount of insurance unless you reduce or decline the coverage.

For more information, see the Servicemembers' Group Life Insurance section of the "Servicemembers' Group Life Insurance webpage."

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

Coverage is provided automatically to those who are eligible. However, if you previously declined or reduced your SGLI coverage and want to obtain or increase your coverage, go to the Servicemembers' Group Life Insurance webpage and complete Form SGLV 8286, "Servicemembers' Group Life Insurance Election and Certificate."

Program Contact Information

For more information, visit the Servicemembers' Group Life Insurance webpage. Servicemembers should contact their Personnel Office for changes to basic SGLI or Family SGLI coverage.

Servicemembers should contact their Flight, Payroll, and/or Finance Office for SGLI and Family SGLI premium payment information and premium refunds.

If you have questions, contact the Office of Servicemembers' Group Life Insurance (OSGLI) at:
1-800-419-1473 (inside the U.S.)
973-548-5699 (overseas)

General questions can be sent to:
[email protected]

Claims questions can be sent to:
[email protected]

To apply for additional benefits and view your benefit status, open an eBenefits Premium account. eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans, Servicemembers and their family members can conduct self-service transactions such as checking claim status information, GI Bill enrollment, and obtaining copies of civil service preference letters, DD214, and other personal information. For further information and to register for a free Premium level account, visit the eBenefits website.