Benefit Description
Veterans Affairs Life Insurance (VALife) became available January 1, 2023 and offers guaranteed acceptance whole life coverage of up to $40,000 to Veterans with service-connected disabilities. Learn more about VALife. Lesser amounts are available in increments of $10,000. Under this plan, the elected coverage takes effect two years after enrollment as long as premiums are paid during the two-year period. Learn more about Veterans Affairs Life Insurance.
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. Learn the difference between term and whole life coverage.
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 about Servicemembers' Group Life Insurance.
Veterans' Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service. Learn more about the difference between term and whole life coverage.
VGLI Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service.
Learn more about Veterans' Group Life Insurance.
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. FSGLI term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI. Learn more about Family Servicemembers' Group Life Insurance.
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. All Servicemembers insured by SGLI are automatically covered by TSGLI.
Learn more about Servicemembers' Group Life Insurance Traumatic Injury Protection.
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. 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 about Veterans' Mortgage Life Insurance.
Application Process
Servicemembers' Group Life Insurance (SGLI) SGLI coverage is automatic. All Servicemembers with full-time coverage should use the SGLI Online Enrollment System (SOES) to designate beneficiaries, or reduce, decline or restore SGLI coverage. To access SOES, go to www.milconnect.dmdc.osd.mil/milconnect/. Members with part-time coverage or do not have access to SOES should use SGLV 8286 to make changes to SGLI.
Veterans' Group Life Insurance (VGLI) Complete and file form SGLV 8714 or apply for VGLI online.
Family Servicemembers' Group Life Insurance (FSGLI) All Servicemembers should use SOES to decline, reduce, or restore FSGLI coverage. To access SOES, go to www.milconnect.dmdc.osd.mil/milconnect/. Members who do not have access to SOES should use SGLV 8286A to to make changes to 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.
Veterans Affairs Life Insurance (VALife) check eligibility and apply online.
Veterans' Mortgage Life Insurance (VMLI) Complete and file form VA 29-8636, Application for Veterans' Mortgage Life Insurance.
