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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

SGLI and Family SGLI Spousal Premiums Decreasing on July 1, 2019

SGLI Premiums - The SGLI premium rate is decreasing from the current level of 7 cents per month per $1,000 of coverage to 6 cents per month per $1,000 of coverage on July 1, 2019. This lowers the premium for a Servicemember with the maximum coverage of $400,000 from $28 to $24 a month. (Note: Servicemembers pay an additional $1 per month for traumatic injury protection.) Additionally, the SGLI premium rate for members who participate in one-day musters or funeral honors duty is also decreasing from $.25 per $1,000 of coverage to $.20 per $1,000 of coverage. Additionally, the SGLI premium rate for members who participate in one-day musters or funeral honors duty is also decreasing from $.25 per $1,000 of coverage to $.20 per $1,000 of coverage.

For more information about the 2019 SGLI premium reduction and a table of premiums at all coverage amounts, go to our FAQ page.

FSGLI Spousal Coverage Premiums - The Family SGLI spousal coverage premium rates are decreasing for all age brackets on July 1, 2019. Spousal coverage premiums are based on the age and amount of coverage elected by the Servicemember for their spouse. The premium reductions range from 10 to 32 percent depending on the age of the spouse.

For more information about the 2019 Family SGLI spousal premium reductions and a table of premiums for all ages and coverage amounts, go to our FAQ page.

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

Do you Qualify for VA Insurance?

Follow this link for an easy way to find out if you are eligible for all our programs, including Service Disabled Veterans Insurance (S-DVI), Veterans Group Life Insurance and Family SGLI, TSGLI, and Veterans Mortgage Life Insurance. You’ll find infographics (timelines and charts) for each program.

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.  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.dmdc.osd.mil/milconnect. Members of the  Public Health Service and Servicemembers with part-time coverage should use SGLV 8286 to make changes to SGLI.

Veterans' Group Life Insurance (VGLI) Complete and file form SGLV 8714 or apply 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.dmdc.osd.mil/milconnect. Members of the Public Health Service 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.

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.