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Servicemembers' Group Life Insurance (SGLI)

What is SGLI?

SGLI is a program of low cost group life insurance for servicemembers on active duty, ready reservists, members of the National Guard, 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.

How Much Coverage is Available?

SGLI coverage is available in $50,000 increments up to the maximum of $400,000.

How Much Does SGLI Cost?

SGLI premiums are currently $.07 per $1,000 of insurance, regardless of the member's age. Follow this link to view a table of SGLI premium rates at different coverage levels.

How Much Life Insurance do I Really Need?

We can help your figure out how much insurance you need. To assess your life insurance needs, follow this link to our Insurance Needs Calculator.

SGLI Conversion Feature

Servicemembers with SGLI coverage have two options available to them upon release from service. They can convert their full-time SGLI coverage to term insurance under the Veterans' Group Life Insurance program or convert to a permanent plan of insurance with one of the participating commercial insurance companies. Follow these links for:

The SGLI Disability Extension

The SGLI Disability Extension allows servicemembers who are totally disabled at time of discharge to retain the Servicemembers' Group Life Insurance (SGLI) coverage they had in service at no cost for up to two years. Follow this link for more information about the SGLI disability extension.

If you have questions - Use one of the following links for answers to SGLI Frequently Asked Questions or to view SGLI premium rates. You will also find a comprehensive overview of the SGLI program in the SGLI/VGLI Handbook. If you can't find the information that you're looking for on this site, please contact the appropriate office listed below.

Servicemembers should contact their Personnel Office for:

  • changes to Basic SGLI or Family SGLI coverage
  • Servicemembers should contact their Flight, Payroll and/or Finance Office for:
  • SGLI and Family SGLI premium payment information 
  • SGLI and Family SGLI premium refunds


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