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Life Insurance

 

disabled veteran in wheelchairAbout Life Insurance

As part of our mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA’s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

Insurance News

Effective July 1, 2014, SGLI premiums increased from 6.5 cents per $1,000 to 7 cents per $1,000. Follow this link for more information about the SGLI premium increase.

Also effective July 1, 2014, VGLI rates increased for insureds age 70 and older. Follow this link for more information about the VGLI premium rate increase.

disabled veteran in wheelchairBenefit Description

Servicemembers' Group Life Insurance (SGLI) is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.

Veterans' Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.

Family Servicemembers' Group Life Insurance (FSGLI) insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember's coverage. Dependent children are automatically covered at no charge.

Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides payments to Servicemembers who suffer losses, such as amputations, blindness, and paraplegia, due to traumatic injuries that occur in service.

Service-Disabled Veterans' Life Insurance (S-DVI) provides life insurance coverage to Veterans who have been given a VA rating for a new service-connected disability in the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance.

Veterans' Mortgage Life Insurance (VMLI) provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.

soldier holding American flagEligibility Requirements

Servicemembers' Group Life Insurance (SGLI) Coverage is automatic for most active duty Servicemembers, Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the U.S. military academies, and ROTC members. Learn More

Veterans' Group Life Insurance (VGLI) Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service. Learn More

Family Servicemembers' Group Life Insurance (FSGLI) Term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI. Learn More

Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) All Servicemembers insured by SGLI are automatically covered by TSGLI. Learn More

Service-Disabled Veterans' Insurance (S-DVI) Servicemembers who were released from active duty under other than dishonorable conditions after April 25, 1951, AND have been granted service connection for any disability (even 0 percent) within the last two years, AND are in good health except for any service connected conditions may be eligible. Learn More

Veterans' Mortgage Life Insurance (VMLI) VMLI is available to Veterans who received a Specially Adapted Housing Grant (SAH), have title to the home, and have a mortgage on the home. Learn More

soldier holding American flagApplication Process

Servicemembers' Group Life Insurance (SGLI) SGLI coverage is automatic. Use SGLV 8286 to designate beneficiaries, or reduce, decline or restore SGLI coverage.

Veterans' Group Life Insurance (VGLI) Complete and file form SGLV 8714 or apply online.

Family Servicemembers' Group Life Insurance (FSGLI) Complete and file form SGLV 8286A to decline, reduce, or restore FSGLI coverage.

Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) Coverage is automatic for all Servicemembers covered by SGLI. To file claim for the TSGLI benefit, complete and file SGLV 8600.

Service-Disabled Veterans' Insurance (S-DVI) apply for S-DVI online or complete and file form VA 29-4364.

Veterans' Mortgage Life Insurance (VMLI) Complete and file form VA 29-8636, Application for Veterans' Mortgage Life Insurance.

 

 

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