Servicemembers’ Group Life Insurance (SGLI)

SGLI is a program of low-cost term life insurance protection for members of the uniformed services.

Members covered under SGLI also have automatic traumatic injury protection (TSGLI), and, if they are married and/or have children, have automatic coverage on their spouse and dependent children (Family SGLI).  For more information on TSGLI or Family SGLI, please refer to the separate fact sheets on TSGLI and Family SGLI.

SGLI coverage is available in $50,000 increments up to the maximum of $400,000.

Servicemembers on active duty, Ready Reservists, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the four service academies, and members of the Reserve Officer Training Corps are eligible for SGLI.

SGLI premiums are currently .07¢ per month per $1,000 of insurance, regardless of the member’s age.  For the member who carries the maximum coverage of $400,000, the monthly SGLI premium is $28.  In addition, there will be an extra premium charge of $1 for TSGLI coverage, which is automatic, making the maximum premium $29 per month for $400,000 of coverage.  SGLI premiums are deducted from the servicemember’s pay.

SGLI coverage at the maximum amount is automatic when a member enters onto active duty or Ready Reserve service, which includes:

  • A civilian who enlists for active duty or Ready Reserve service
  • A Ready Reservist who is mobilized to active duty status
  • A Ready Reservist who is demobilized and returns to reserve status
  • A member who completes active duty and is assigned to the Ready Reserve

A servicemember can decline or reduce coverage when he or she is called into service by completing form SGLV-8286, Servicemembers’ Group Life Insurance Election and Certificate.  By declining SGLI, the member also declines Family SGLI and TSGLI.  If the member declines or reduces SGLI coverage and later wants to obtain or increase the coverage, the member can apply for coverage using form SGLV-8285, Request for Insurance (SGLI), but must submit proof of good health with the application.

Veterans’ Group Life Insurance (VGLI)

Veterans’ Group Life Insurance (VGLI) provides for the conversion of Servicemembers’ Group Life Insurance (SGLI) to a renewable term life insurance policy.  This policy is renewable every five years, regardless of health, and can be retained for life.

You are eligible to apply for VGLI if you are/were insured under SGLI AND:

  • You are being released from active duty or the Reserves or were released within the last year and 120 days.
  • You are a member of the Individual Ready Reserve (IRR) or Inactive National Guard (ING).
  • You are a reservist who suffered an injury or disability during active duty or inactive duty for training for a period of less than 31 days and became uninsurable at standard premium rates.

SGLI coverage continues at no cost to the member for 120 days after discharge, so VGLI will not take effect until the 121st day.  VGLI applications are mailed to eligible members on three occasions:

  • Generally within 60 days after separation.
  • Within 120 days after separation when the SGLI free coverage period ends.
  • Before the end of the 16-month application period.

Applications are mailed to the address shown on the member’s DD Form 214 or equivalent separation orders.  It is the member’s responsibility to apply within the time limits even if the member does not receive an application in the mail.

Veterans Mortgage Life Insurance (VMLI)

Veterans Mortgage Life Insurance (VMLI) is an insurance program that provides insurance coverage on the home mortgages of certain severely disabled veterans.

VMLI is only available to veterans with severe service-connected disabilities who:

  • received a Specially Adapted Housing (SAH) grant from VA for assistance in building, remodeling, or purchasing an adapted home;AND
  • have title to the home; AND
  • have a mortgage on the home.

Note:  Eligible veterans must apply for the coverage prior to their 70th birthday.

VMLI will pay up to $90,000 of the outstanding mortgage.

The insurance is payable only to the mortgage lender, not to family members.

VMLI coverage is available on a new mortgage, an existing mortgage, a refinanced mortgage, or a second mortgage.

VMLI premiums are determined by:

  • The insurance age of the veteran; AND
  • The outstanding balance of the mortgage at the time of application; AND
  • The remaining length of the mortgage.

You can apply for VMLI by completing VA Form 29-8636, Veterans Mortgage Life Insurance Statement, and submitting it to the Department of Veterans Affairs Regional Office and Insurance Center in Philadelphia.  Veterans can contact the Insurance Center for an application or visit the website to obtain an application and learn more information about the VMLI program.

Service-Disabled Veterans Insurance (S-DVI)

Service-Disabled Veterans Insurance is life insurance for veterans who have received a service-connected disability rating by the Department of Veterans Affairs.  The basic S-DVI program, commonly referred to as “RH Insurance”, insures eligible veterans for up to $10,000 of coverage.  Veterans who have the basic S-DVI coverage and are totally disabled are eligible to have their premiums waived. If a waiver is granted, totally disabled veterans may apply for additional coverage of up to $20,000 under the Supplemental S-DVI program.  Premiums for Supplemental S-DVI coverage, however, cannot be waived.

You are eligible for S-DVI if:

  • You were released from service under other than dishonorable conditions on or after April 25, 1951 AND
  • VA has notified you that you have a service-connected disability AND
  • You are healthy except for your service-related disability AND
  • You apply within two years of being notified of your service-connected disability.

You are eligible for SUPPLEMENTAL S-DVI  if:

  • You have an S-DVI policy AND
  • The premiums on your basic coverage are being waived due to total disability AND
  • You apply within one year of being notified of the waiver AND
  • You are under 65 years of age.

The cost varies depending upon age, type of plan (term or permanent), and the amount of coverage.

You can apply by using the following forms:

  • VA Form 29-4364 to apply for basic S-DVI
  • VA Form 29-0189 to apply for Supplemental S-DVI (or you may submit a letter, over your signature, requesting Supplemental S-DVI)
  • VA Form 29-357 to apply for a total disability waiver of S-DVI premiums

The cost varies depending upon age, type of plan (term or permanent), and the amount of coverage.

You can apply by using the following forms:

  • VA Form 29-4364 to apply for basic S-DVI
  • VA Form 29-0189 to apply for Supplemental S-DVI (or you may submit a letter, over your signature, requesting Supplemental S-DVI)
  • VA Form 29-357 to apply for a total disability waiver of S-DVI premiums

Traumatic Injury Protection Under Servicemembers’ Group Life Insurance

The Traumatic Injury Protection Under Servicemembers’ Group Life Insurance (TSGLI) program provides automatic traumatic injury coverage to all members of the uniformed services covered under the Servicemembers’ Group Life Insurance (SGLI) program.

Effective December 1, 2005, every member who has SGLI also has TSGLI.  This coverage applies to active duty members, reservists, funeral honors duty, and one-day muster duty.  TSGLI coverage cannot be declined unless the member also declines basic SGLI coverage.

This TSGLI coverage does not apply to spouses and children covered under Family SGLI or to members who do not carry SGLI coverage.

For members who incur traumatic injuries, TSGLI coverage will pay a benefit ranging from $25,000 to a maximum of $100,000 depending on the type of loss or injury.

The premium for TSGLI will be a flat rate, regardless of coverage level.  The table below outlines current rates for various categories of SGLI coverage:

Duty Status Premium
Active duty members $1.00 per month
Reservists with full time coverage $1.00 per month
Reservists with part time coverage $1.00 per year
Funeral honors duty no charge
1 day muster duty no charge

Note: These rates are determined by VA and are subject to change based on claims experience.

TSGLI covers a range of traumatic injuries that are defined in VA Regulations.  Some examples of the types of injuries covered are listed below:

  • Total and permanent loss of sight in one or both eyes
  • Loss of hand or foot by severance at or above the wrist or ankle
  • Total and permanent loss of hearing in one or both ears
  • Loss of thumb and index finger of the same hand by severance at or above the metacarpophalangeal joints
  • Quadriplegia, paraplegia, or hemiplegia
  • 3rd degree or worse burns covering 30 percent of the body or 30 percent of the face
  • Coma or the inability to carry out two of the six activities of daily living due to traumatic brain injury

Note:  The above list contains examples of covered injuries and should not be considered as a complete list.

Members who suffered a qualifying loss, on or after October 7, 2001 through November 30, 2005, as a direct result of injuries incurred in Operation Enduring Freedom or Operation Iraqi Freedom are also eligible for the traumatic injury protection benefit.

Eligible members will be contacted by the individual services to apply for the traumatic injury protection benefit.  However, members can also contact their individual services at the numbers listed below to obtain more information and begin the certification process.

Family Servicemembers’ Group Life Insurance (Family SGLI or FSGLI)

Family SGLI provides life insurance coverage to the spouses and dependent children of members insured under the Servicemembers’ Group Life Insurance (SGLI) program.

Family SGLI provides coverage in increments of $10,000 up to a maximum of $100,000 for spouses, not to exceed the amount of SGLI the insured member has in force.  It also provides $10,000 of coverage for each dependent child.

The spouses and dependent children of all servicemembers (Active Duty and Ready Reserve) who have full-time SGLI coverage are automatically insured under Family SGLI unless the member declines the coverage in writing.

A “dependent child” includes any unmarried child in one of the following categories:

  • natural born child
  • legally adopted child
  • stepchild who is a member of the servicemember’s household
  • child between the ages of 18 and 23 who is a full-time student
  • child who became permanently incapable of self-support before age 18

Premiums for spousal coverage are based on the spouse’s age and the amount of coverage carried on the spouse.  Spouses must be registered in the Defense Enrollment Eligibility Reporting System (DEERS) in order for premium deductions to begin.

Coverage for dependent children is provided free of charge.

FSGLI coverage begins automatically for service members who:

  • were married and/or had dependent children when the program began on November 1, 2001
  • enter onto active duty or Ready Reserve service after November 1, 2001 and are married and/or have dependent children OR
  • get married and/or gain a dependent child during service (after Nov. 1, 2001) AND
  • have full-time SGLI coverage

If a servicemember declines or reduces Family SGLI coverage and later wants to obtain or increase the coverage, the member can apply for coverage using form SGLV 8285A, Request for Family Coverage for Spouse.   In addition to submitting SGLV 8285A, the servicemember must submit proof of good health for the spouse.

For forms/documentation please call our office at (518) 270-2760.