Servicemembers Group Life Insurance (SGLI)

Army Reserve: Retired

Benefit Fact Sheet


Service members' Group Life Insurance (SGLI) is a life insurance program for Service 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 Service members 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. SGLI may be converted to Veterans Group Life Insurance (VGLI) after discharge or converted to a commercial policy after separation from the military.


Retired Reserve Soldiers are not eligible for SGLI; however, they are eligible to convert their full-time SGLI coverage to Veterans' Group Life Insurance (VGLI). Click here to see the VGLI fact sheet.Soldier holding his baby

Retirees/separating Service members may be eligible for a free extension of the SGLI coverage they had while in service if, at the time of separation, they are covered under full-time SGLI and are totally disabled. They may apply for this SGLI Disability Extension Coverage, which can be extended for up to two years, or until the Service member is able to work, whichever comes first. Once the free coverage ends, the Service member will automatically be given VGLI for the same level of coverage carried under SGLI. Service members may apply by completing SGLV 8715, Disability Extension Application and must apply within two years from their separation date. Read more about the SGLI Disability Extension at .

A member of the Ready Reserves insured under SGLI who is being separated or released from drilling assignment is also eligible to convert full-time SGLI coverage to VGLI.

Additional Information
Document Review Date: 12 April 2022