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)
    • Section 642 of the Fiscal Year (FY) 2013 National Defense Authorization Act (NDAA), Public Law 112-239, repealed the automatic enrollment in Family Servicemembers' Group Life Insurance (FSGLI) for member-to-member couples who have full-time Servicemembers' Group Life Insurance (SGLI) coverage and who married on or after January 2, 2013.

      Effective January 2, 2013, FSGLI Spouse coverage will no longer be automatically issued to a uniformed service member who marries another uniformed service member. These couples must now apply for FSGLI Spouse coverage. To apply, fill out the appropriate sections of the SGLV-8286A, to include health questions. The signed SGLV 8286A must then be submitted for processing per special Service guidance issued in response to the NDAA related changes.

      Member to member couples, married on or before January 1, 2013 will not be affected by this repeal. These couples were automatically enrolled in FSGLI Spouse coverage, which remains in effect until it is declined. Member-to-member couples that previously declined FSGLI Spouse coverage or elected a lower coverage amount must complete the appropriate sections of the SGLV-8286A, to include health questions to elect or increase coverage levels.

      By changing the law, Congress recognized that in the majority of cases, each "spouse" of member-to-member couple already has life insurance under the basic SGLI program and Congress wanted to give them the choice of whether to add FSGLI spousal coverage.

      FSGLI is a program within the Department of Veterans Affairs administered SGLI family of life insurance benefits available to uniformed servicemembers. For members with basic full time SGLI coverage, FSGLI provides a term life insurance benefit of up to $100,000 for a member's spouse and $10,000 for dependent children. Members pay a monthly premium for spousal coverage which is based on the age of the spouse. Dependent children are insured at no cost.

      The NDAA does not change the rule that civilian spouses are automatically insured, unless the member declines coverage or elects a lower coverage amount by completing the SGLV-8286A. Child FSGLI also remains unchanged, as does a member's basic SGLI coverage.

      All member to member couples are reminded that each member needs to register his/her spouse in DEERS after the marriage date. Servicemembers should ensure DEERS information is updated on a routine basis.

      All members who currently hold SGLI and/or FSGLI Spouse coverage should check that premium payments being deducted from pay match the coverage level selected. Failure to remit correct premiums may impact SGLI / FSGLI Spouse payments at the time of death.

      Questions on this change should be directed to your personnel office. FSGLI Program Information is available at:

      Form SGLV 8286A, Family Coverage Election and Certificate form is available at:
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.