Service-members' Group Life Insurance (SGLI)
SGLI is a VA program that provides low cost group life insurance to members of the Uniformed Services, including commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration, cadets and midshipmen of the service academies. Members are automatically insured under Servicemembers' Group Life Insurance (SGLI) for the maximum amount of $400,000 unless an election is filed reducing the insurance by $50,000 increments or canceling it entirely.
In addition, the SGLI coverage now includes Traumatic Injury Protection. This coverage provides service members protection against loss due to traumatic injuries and is designed to provide financial assistance to members so their loved ones can be with them during their recovery from their injuries. The coverage ranges from $25,000 to $100,000 depending on the nature of the injury.
In addition, the SGLI coverage now includes Traumatic Injury Protection. This coverage provides service members protection against loss due to traumatic injuries and is designed to provide financial assistance to members so their loved ones can be with them during their recovery from their injuries. The coverage ranges from $25,000 to $100,000 depending on the nature of the injury.
In 2008 the premiums were reduced to 6.5 cents per $1,000 or $27 per month for the maximum of $400,000, this includes a mandatory $1 charge for TSGLI.
The premium for part-time SGLI coverage will be $26.00 per year for $400,000 of coverage. An additional $1.00 per year is added to the basic premium for a traumatic injury protection rider. Members of the IRR will be charged a premium of $1.00 for $400,000 insurance for 1-day call-ups. All rates are subject to change based on the experience of the program.
The SGLI coverage may be converted, upon release from active duty, active duty for training, initial active duty for training or upon separation from the Ready Reserve, to VGLI or, if desired, to a commercial life insurance policy effective at the end of the 120-day SGLI extension period.
The premium for part-time SGLI coverage will be $26.00 per year for $400,000 of coverage. An additional $1.00 per year is added to the basic premium for a traumatic injury protection rider. Members of the IRR will be charged a premium of $1.00 for $400,000 insurance for 1-day call-ups. All rates are subject to change based on the experience of the program.
The SGLI coverage may be converted, upon release from active duty, active duty for training, initial active duty for training or upon separation from the Ready Reserve, to VGLI or, if desired, to a commercial life insurance policy effective at the end of the 120-day SGLI extension period.
Family Service-member's Group Life Insurance (FSGLI)
Family Servicemembers' Group Life Insurance (FSGLI) is a program extended to the spouses and dependent children of members insured under the SGLI program. FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the amount of SGLI the insured member has in force, and $10,000 for dependent children. Spousal coverage is issued in increments of $10,000, at a monthly cost ranging from $.55 to $5.20 per increment.
Servicemembers should contact their Personnel Support Center, Personnel Flight, Payroll, and/or Finance Office for SGLI and Family SGLI premium payment information and SGLI and Family SGLI premium refunds.
Servicemembers should contact their Personnel Support Center, Personnel Flight, Payroll, and/or Finance Office for SGLI and Family SGLI premium payment information and SGLI and Family SGLI premium refunds.
The Office of Service-members' Group Life Insurance (OSGLI)
Servicemembers and their beneficiaries should call, email or write the Office of Servicemembers' Group Life Insurance (OSGLI) for pending SGLI or Family SGLI claims.
OSGLI does not have information concerning SGLI or Family SGLI premium payments, refunds or changes to coverage.
The OSGLI can be reached by the following means:
Toll-free telephone: 1-800-419-1473
Toll-free fax numbers:
Death and accelerated benefits claims only: 1-877-832-4943
All other fax inquiries: 1-800-236-6142
Overseas:
Phone Number: 973-548-5699
Fax Number: 973-548-5300
General Correspondence:
OSGLI
290 West Mt. Pleasant Avenue
Livingston, New Jersey 07039
New VGLI Applications and VGLI Reinstatements:
OSGLI
P.O. Box 41618
Philadelphia, PA 19176-9913
OSGLI does not have information concerning SGLI or Family SGLI premium payments, refunds or changes to coverage.
The OSGLI can be reached by the following means:
Toll-free telephone: 1-800-419-1473
Toll-free fax numbers:
Death and accelerated benefits claims only: 1-877-832-4943
All other fax inquiries: 1-800-236-6142
Overseas:
Phone Number: 973-548-5699
Fax Number: 973-548-5300
General Correspondence:
OSGLI
290 West Mt. Pleasant Avenue
Livingston, New Jersey 07039
New VGLI Applications and VGLI Reinstatements:
OSGLI
P.O. Box 41618
Philadelphia, PA 19176-9913
*For more information on the SGLI program visit the VA's Life Insurance Program Website.