Life Insurance
VA offers a variety of life insurance options for Active Duty Service members, Veterans, and National Guard and Reserve members.
LIFE INSURANCE FOR VETERANS
- Servicemembers’ Group Life Insurance (SGLI)
- Veterans’ Group Life Insurance (VGLI)
- Family Servicemembers’ Group Life Insurance (FSGLI)
- Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI)
- Service-Disabled Veterans’ Life Insurance (S-DVI)
- Veterans’ Mortgage Life Insurance (VMLI)
Servicemembers’ Group Life Insurance (SGLI) is a low-cost group term life insurance program for Service Members. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.
Veterans’ Group Life Insurance (VGLI) allows Veterans to convert their SGLI to a civilian program of lifetime renewable term coverage after separation from service. Please note this program is time-sensitive.
Family Servicemembers’ Group Life Insurance (FSGLI) insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember’s coverage. Dependent children are automatically covered at no charge.
Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides payments to Service Members who suffer losses, such as amputations, blindness, or paraplegia, due to traumatic injuries that occur in service.
Service-Disabled Veterans’ Life Insurance (S-DVI) provides life insurance coverage to Veterans who have been given a VA rating for a new service-connected disability in the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance.
Veterans’ Mortgage Life Insurance (VMLI) provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.
Eligibility Requirements
Necessary qualifications and benefits vary by insurance type.
Coverage is automatic for most active duty Servicemembers, Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the U.S. military academies, and ROTC members.
Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service. Family Servicemembers’ Group Life Insurance (FSGLI) Term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI.
All Servicemembers insured by SGLI are automatically covered by TSGLI.
Servicemembers who were released from active duty under other than dishonorable conditions after April 25, 1951, and were notified of a rating for a new service-connected disability (even 0 percent) within the last two years may be eligible.