Servicemember's Group Life Insurance (SGLI)

Servicemember's Group Life Insurance (SGLI)

Servicemember's Group Life Insurance, or SGLI, is a program of low cost group life insurance for service members 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. SGLI coverage is available in increments of $50,000 to a maximum of $400,000. SGLI premiums are currently $.065 per $1,000 of insurance, regardless of the member's age. Effective July 1, 2014 premiums will increase to $.07 per $1,000 of insurance. You can plan your coverage by reviewing the SGLI premium rate table.

Combat SGLI

The John Warner National Defense Authorization Act for Fiscal Year 2007 (Public Law 109-364) authorized reimbursement of premium deductions for SGLI for service members who have SGLI coverage, and who serve in the theater of operations for Operation Enduring Freedom (OEF) or Operation Iraqi Freedom (OIF). Effective September 1, 2010, OIF was changed to Operation New Dawn (OND) and authorization was provided to continue to pay all entitlements authorized for OIF to service members deployed in support of OND.

What this means to affected service members is that when you deploy for OEF or OND, and you have elected less than the maximum level of SGLI, you may increase your SGLI coverage amount to the maximum $400,000 and your premiums will increase as well (submit SGLV 8286 to your Personnel Office). HOWEVER, although you will see an increase in your premium on your Leave and Earnings Statement, you will also see a credit in an equal amount posted monthly (Air Force, Army, Marine Corps) or bi-monthly (Navy) as reimbursement by your Service. If you do not see the increase in your premiums or the reimbursement from your service on your LES within two months of your deployment, bring it to the attention of your Personnel Office immediately. Read more about your life insurance benefits and download a fillable SGLV 8286 and other forms at the Veterans Administration's website.

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Reserve and Guard members of the Army, Navy, Air Force and Marine Corps drilling for points but in a no-pay status are still required to pay their SGLI premiums.

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