Servicemembers Group Life Insurance (SGLI)

Army Reserve: Active Duty

Benefit Fact Sheet



Servicemembers' Group Life Insurance (SGLI) is a life insurance program for Soldiers and their Family members provided by the Department of Veterans Affairs. It is one of a number of low cost insurance programs that were developed to provide insurance benefits for Soldiers and Veterans who may not otherwise be eligible to receive insurance benefits from private companies due to risks involved in military service or a service connected disability.


Army Reserve Soldiers on active duty are eligible for full-time coverage if under orders that do not specify periods of less than 31 days. Members of the Ready Reserves assigned to a unit in which the Soldier may be required to perform active duty or active duty for training and each year will be scheduled to perform at least twelve periods of inactive duty training, are also eligible for full-time SGLI coverage. The Soldier is also covered for 120 days following separation or release from duty.


Benefit Highlights:

SGLI Coverage Available: SGLI coverage is available in $50,000 increments up to the maximum of $400,000. Soldiers are automatically covered for the maximum insurance amount unless they reduce or decline coverage in writing. Soldiers covered under SGLI are also covered under Servicemembers' Group Life Insurance Traumatic Injury Protection Program (TSGLI). Click here to view the TSGLI fact sheet.

The included TSGLI coverage will pay a benefit of between $25,000 and $100,000 depending on the loss directly resulting from the traumatic injury. Monthly premium rates (effective 1 July 2014) for coverage are shown on the following table:

Premium Rate









SGLI Premium Rates Effective 1 July 2014

Coverage Amount









Premium Rate









The premiums are based on a rate of $.07 per $1,000 of coverage, plus an additional $1.00 for the TSGLI coverage.

To assist in determining the level of coverage a Soldier may require, the Department of Veterans Affairs (VA) has provided a "Life Insurance Needs Calculator" that can be accessed here.

Applying for SGLI: There is no application process to enroll in SGLI; eligible Soldiers are automatically enrolled in the SGLI program. However, eligible Soldiers should complete and file form SGLV 8286, Servicemembers' Group Life Insurance Election and Certificate, to designate a beneficiary or beneficiaries to receive the proceeds.

To Reduce or Cancel SGLI Coverage: To reduce or cancel your SGLI, you must complete and file a form SGLV 8286 Servicemembers' Group Life Insurance Election and Certificate. If you reduce or cancel SGLI on the first day of duty, your election will be effective immediately. If you make an election after the first day of duty, it will be effective at the end of that month.

Married Soldiers: The Spouses of married Soldiers who are covered under full-time SGLI are automatically covered under the Family Servicemembers' Group Life Insurance (FSGLI) program. Click here to see the FSGLI fact sheet. A Soldier married to another Soldier can be insured under both the FSGLI and SGLI programs at the same time, for a maximum coverage amount of $500,000.

Soldiers with Dependents: FSGLI program coverage in the amount of $10,000 is automatically extended to the dependent Children of Soldiers who are insured under the SGLI program. There is no additional premium required for this coverage. Click here to see the FSGLI fact sheet.

Soldiers who are Disabled: Soldiers who are covered under full-time SGLI and are totally disabled at time of discharge may be eligible to retain the Servicemembers' Group Life Insurance (SGLI) coverage they had in service at no cost for up to two years. Soldiers must apply for the coverage using SGLV Form 8715, Application for SGLI Disability Extension, submitted to: OSGLI, PO Box 41618, Philadelphia, PA 19176-9913

Accelerated Benefit Option: The Accelerated Benefit Option permits terminally ill policyholders under the SGLI and VGLI programs access to the death benefits of their policies before they die. The member may receive in a lump-sum payment a portion of the face value of the insurance.

The amount of Accelerated Benefit available to a member is up to 50% of the face value of the member's insurance coverage. If a member elects less than the maximum, the amount requested must be in increments of $5,000. The Accelerated Benefit paid to the member will be the amount requested, minus an interest deduction, which is the amount OSGLI actuarially determines to be the amount of interest lost due to early payment.

The portion of the face value of insurance which is not paid in a lump sum as an accelerated benefit remains payable to the member's designated beneficiary(ies) upon his or her death. Monthly deductions for SGLI and premiums for VGLI shall be reduced in a manner consistent with the percentage reduction in the face value of the insurance as a result of payment of the Accelerated Benefit.

Members insured under the SGLI program who elect an Accelerated Benefit and who thereafter convert their SGLI coverage to VGLI are eligible only for a reduced amount of VGLI coverage based on the amount of the Accelerated Benefit they received.

The amount of the Accelerated Benefit received by the Service member or Veteran shall not be considered income or resources for purposes of determining eligibility for or the amount of benefits under any Federal or federally-assisted program or for any other purpose.

The Form 8284, Servicemember/Veteran Accelerated Benefits Option (SGLI and VGLI policyholders) and Form 8284A, Servicemember Family Coverage Accelerated Benefits Option (Spouses covered under Family SGLI) applications should be completed and sent to the Office of Servicemembers' Group Life Insurance, 80 Livingston Avenue, Roseland, New Jersey 07068-1733.

Service-Disabled Veteran's Insurance (S-DVI): Veterans discharged on or after April 25, 1951 under other than dishonorable conditions and who have a service-connected disability, but are in otherwise good health, may apply to VA for up to $10,000 in life insurance coverage under the Service-Disabled Veterans' Insurance program. Those who are totally disabled may apply for a waiver of premium and additional coverage up to $20,000. Program details are available from the Veterans Administration. Click here to see the S-DVI fact sheet.

Conversion Feature: Soldiers with SGLI coverage have two conversion options available to them upon release/retirement from service.

VGLI: Full-time SGLI coverage may be converted to term insurance under the Veterans' Group Life Insurance (VGLI) program. Soldiers have 120 days following separation to apply for VGLI. After the 120-day period, Soldiers may still apply for up to 1 year, but must submit evidence of good health. VGLI coverage is available in increments of $10,000 up to a maximum of $400,000 but cannot exceed the amount of SGLI in effect at the time of release/retirement. Soldiers may apply for VGLI by completing SGLV- 8714, Application for Veterans' Group Life Insurance. Click here to view the VGLI fact sheet.

Commercial: Soldiers may convert SGLI to an individual policy of life insurance with a commercial company that participates in the program within 120 days following release from active duty. This conversion option is also extended to the Spouses of Soldiers who are covered under FSGLI when the Soldier is released from active duty. Click here for more information on converting SGLI coverage.

Additional Information:

For more information, please visit the SGLI web pages maintained by the Department of Veterans Affairs:


Servicemembers' Group Life Insurance (SGLI) Forms:

Document Review Date: 6 May 2015