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United States Department of Defense -




Servicemembers Group Life Insurance (SGLI)

Servicemembers’ Group Life Insurance (SGLI) – Upon enlistment, servicemembers automatically have the maximum $400,000 of SGLI coverage.  Servicemembers can decline or elect lesser amounts of coverage in writing in increments of $50,000.  SGLI coverage stays in effect for 120 days after discharge.  Members who have SGLI automatically have Traumatic SGLI (TSGLI).


Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) – TSGLI provides all servicemembers who have SGLI with traumatic injury protection.  TSGLI provides for payment of up to $100,000 to servicemembers who incur a qualifying loss as the result of a traumatic injury (on or off duty).  TSGLI payments are designed to help traumatically injured servicemembers and their families with financial burdens associated with recovering from a severe injury (such as travel, temporary housing, and/or the loss of income).


Family Servicemembers’ Group Life Insurance (FSGLI) – FSGLI provides automatic coverage to the spouses and dependent children of servicemembers who have SGLI coverage.  Spouses are insured for $100,000 or the amount of the member’s coverage, whichever is less.  Dependent children are automatically covered for $10,000 at no additional cost to the servicemember.  Servicemembers must register their spouse in the Defense Eligibility Enrollment Reporting System (DEERS) to ensure proper premiums are deducted.  Members can decline or elect less coverage, but not registering a spouse in DEERS is not the equivalent of declining spousal coverage.



For more information about these benefits, visit:   You can also call the Office of Servicemembers' Group Life Insurance at:  1-800-419-1473.  Or visit your local, supporting Military Personnel Office.