The Serviceman's Group Life Insurance, better known as SGLI,
is group term life insurance currently available to all members
of the U.S. Army. SGLI is a group life insurance policy purchased
by the VA from a commercial life insurance company, and is
partially subsidized by the federal government.
Servicemembers on active duty, active duty for training or
inactive duty for training and members of the Reserves are
automatically covered for $400,000, the maximum
amount of coverage, unless they opt out in writing. A soldier
can elect lower coverage or no coverage by completing VA Form
Basic SGLI premiums are currently $.065 per $1,000
of insurance, regardless of the member's age. View rates
for different coverage amounts.
Each member should complete a copy of form SGLV-8286,
Servicemembers' Group Life Insurance Election and Certificate
to designate one or more beneficiaries to receive payment
of the insurance proceeds. A copy of this form also serves
as a certificate of coverage.
Insurability is guaranteed when first given the opportunity
to elect SGLI. After that, soldiers who want to increase their
coverage may be subject to insurability determinations.
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The insurance issued under the group policy is term insurance.
SGLI does not pay dividends. In addition, there are no loan,
cash, paid-up or extended insurance values, or any provision
for waiver of premiums or benefit because of total disability,
Visit the SGLI
FAQ page for more information.
The Servicemembers' Group Life Insurance (SGLI) Family
Coverage went into effect on November 1, 2001. Family
coverage is available for the spouses and children of:
- Active Duty servicemembers
- Members of the Ready Reserve
Family coverage is available only for members insured under
the SGLI Program. It is not available for those insured under
the VGLI program. View current
rates for different age and coverage amounts.
The SGLI program is administered by the Office of Servicemembers'
Group Life Insurance (OSGLI). The office can by contacted
Toll-free telephone: 1-800-419-1473
Death and accelerated benefits claims only: 1-877-832-4943
All other inquiries: 1-800-236-6142
Office of Servicemembers' Group Life Insurance
290 West Mt. Pleasant Avenue
Livingston, New Jersey 07039
Visit the VA
website for more information on this benefit.
Federal Employees' Group Life Insurance (FEGLI)
If you leave the Armed Services and go to work as a civilian employee of the Federal Government you could then be eligible for the Federal Employees' Group Life Insurance (FEGLI). If you have any questions about eligibility, see your human resources officer.