Life Insurance

Status of Life Insurance Programs

Servicemembers’ Group Life Insurance (SGLI) is low-cost term life insurance for servicemembers and reservists. Coverage of up to $400,000 begins when you enter the service. Generally, it expires 120 days after you leave the service.

Traumatic SGLI is automatically included in SGLI and provides for payment up to $100,000 for servicemembers who lose limbs or incur other serious injuries.

Veterans Group Life Insurance (VGLI) is renewable term life insurance for veterans who want to convert their SGLI up to an amount not to exceed the coverage you had when you separated from service. You must apply within one year and 120 days from separation.

Service-Disabled Veterans Insurance, also called "RH" Insurance, is for service-connected veterans. Coverage is $10,000. You may be eligible for a $20,000 supplemental policy if you are totally disabled. You must apply for RH within two years of being rated service connected by VA.