Servicemembers’ Group Life Insurance

Low-cost term insurance coverage is available to eligible service members, family members and service members recovering from a severe injury.

Servicemembers’ Group Life Insurance, or SGLI, offers low-cost term coverage to eligible service members. Service members who meet certain criteria are automatically enrolled in SGLI. After enrollment, you can change the level of coverage or even refuse coverage completely. You can also choose your beneficiaries and change them as needed.

Family Servicemembers’ Group Life Insurance, or FSGLI, offers coverage for the spouse and dependent children of service members covered under full-time SGLI.

Servicemembers’ Group Life Insurance Traumatic Injury Protection, or TSGLI, is an insurance program administered by the Department of Veterans Affairs that provides short-term financial support to help eligible service members recover from a severe injury.

The SGLI benefit provides a maximum of $400,000 of coverage — in $50,000 increments — for a service member. The FSGLI benefit provides up to a maximum of $100,000 of coverage for a spouse, not to exceed the service member’s SGLI coverage, and $10,000 for each dependent child. Dependent children get free coverage.

SGLI can help cover costs for the death of a service member and FSGLI can help cover costs for the death of a family member.

Deaths in the family can be expensive. And when you’re going through that kind of grief, the last thing you want to worry about is the financial aspect. With SGLI and FSGLI, you can focus on your family.

The TSGLI benefit is provided to service members covered by full-time SGLI who experienced a traumatic injury while serving in the military, even if off duty. This benefit provides $25,000 to $100,000 in short-term financial support to help in recovery from a traumatic injury.

TSGLI helps cover you financially while you recover.

SGLI

Service members who meet certain criteria are automatically enrolled in SGLI. Changes to coverage levels or beneficiaries must be completed through the SGLI Online Enrollment System. You can access SOES though milConnect.

• If you have questions about SGLI, you can call the Office of Servicemembers’ Group Life Insurance at 800-419-1473, or email the Prudential Insurance Company at osgli@prudential.com.
• To request an advance insurance payment for a service member who’s terminally ill, a family member needs to file a SGVL 8284, “Claim for Accelerated Benefits.”
• To receive an insurance payment after a service member has died, a family member would file a SGVL 8283, “Claim for Death Benefits.”

FSGLI

Civilian spouses of service members signed up for full-time SGLI are covered under FSGLI automatically. The premium for the coverage is deducted automatically from the service member’s pay.

Military spouses married on or after Jan. 2, 2013, are not automatically covered. Service members need to enroll their spouses through the SGLI Online Enrollment System through milConnect.

TSGLI

To help a service member get short-term financial support while recovering from a traumatic injury, a family member would work with the service member to file a SGLV 8600, “Application for TSGLI Benefits.” Use the VA website to find out how to file a claim for TSGLI or appeal a past decision.