Servicemembers' Group Life Insurance (SGLI) Overview
Servicemembers’ Group Life Insurance is low-cost term insurance protection for members of the
uniformed services. All service members 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 will continue to cover you for the first 120 days after your separation, just as if you
were still in uniform. If you are totally disabled at the time of your separation, your SGLI
coverage can continue, free of charge, for up to two years from the date of your
separation. Following expiration of your coverage extension under your SGLI, you must make
your own arrangements for life insurance. One option is Veterans' Group Life Insurance (VGLI),
offered by the VA which is discussed in the next section.
Traumatic Injury Protection Program (TSGLI) is a disability rider to the SGLI
program that provides automatic traumatic injury coverage to all service members covered under the
SGLI program who suffer losses due to traumatic injuries. TSGLI payments range from $25,000 to
a maximum of $100,000 depending on the type and severity of injury.
Date Last Reviewed: July 2, 2009
