military life insurance sgli

SGLI (Servicemembers Group Life Insurance)

Each soldier is automatically enrolled for SGLI or life insurance. The automatic enrollment is for $500,000. Coverage is available in increments of $50,000.

A soldier can elect to have less or decline coverage altogether, though this is not advised. If the soldier chooses less than the maximum benefit, they must do so in writing.

SGLI Premiums

The premium is $.06 for every $1,000 in coverage plus $1 for TSGLI. The premium is automatically deducted from his pay each month. For the maximum coverage, the premium is $30/month plus $1 for TSGLI, or $31 total.


TSGLI is Traumatic Injury Protection. This is to provide financial support in the event of a traumatic injury while serving.

The benefit ranges from $25,000 to $100,000. More information on eligibility can be found on the VA’s website.

Beneficiary Selection

It is up to the soldier to choose who the beneficiary or beneficiaries of the policy will be.

The soldier can choose anyone they would like as a beneficiary. If circumstances change, it’s imperative the beneficiaries are updated.

Family SGLI

Spouses and children can also be covered under Family SGLI. The premium for spouses is based on the amount of coverage (up to $100,000) and the spouse’s age.

Coverage for dependent children up to $10,000 is provided at no charge. Coverage is through the age of 18 unless the child is a full-time student or permanently disabled.

The coverage for family members cannot exceed the servicemember’s coverage amount. So if the soldier only has coverage for $50,000, that is the maximum amount the spouse can be covered for.

Coverage for spouses is based on age. In 2023, for someone under 35, the premium is $4.50 per month for $100,000 in coverage.

After Leaving the Military

It is important to note that this insurance coverage does not continue after the soldier is no longer on active duty. The soldier will, however, have the option to continue coverage under the VGLI program.

The rates for VGLI can increase dramatically as you get older, so it is always wise to compare VGLI rates to civilian life insurance rates.

In some cases, with certain medical issues or injuries, VGLI may be your best bet, as civilian coverage may be hard to get.

author avatar
Stacey Abler
Stacey's husband joined the Army in 2003 and was medically retired after four deployments. She enjoys sharing her experiences and expertise around Army life while continuing to support Army spouses and families in their military journey.

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