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About Life Insurance

As part of our mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA’s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

 

disabled veteran in wheelchairBenefit Description

Servicemembers' Group Life Insurance (SGLI)  is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation. Follow this link to learn more about the difference between term and whole life coverage.

Veterans' Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service. Follow this link to learn more about the difference between term and whole life coverage.

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 Servicemembers who suffer losses, such as amputations, blindness, and 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.

Veterans Affairs Life Insurance (VALife) will be available starting January 1, 2023 and offers guaranteed acceptance whole life coverage of up to $40,000 to Veterans with service-connected disabilities. Click here for frequently asked questions about VALife or to learn more about VALife or sign up for future email alerts or to view previous quarterly newsletters.

soldier holding American flagApplication Process

Servicemembers' Group Life Insurance (SGLI) SGLI coverage is automatic.  All Servicemembers with full-time coverage should use the SGLI Online Enrollment System (SOES) to designate beneficiaries, or reduce, decline or restore SGLI coverage. To access SOES, go to www.milconnect.dmdc.osd.mil/milconnect/. Members with part-time coverage or do not have access to SOES should use SGLV 8286 to make changes to SGLI.

Veterans' Group Life Insurance (VGLI) Complete and file form SGLV 8714 or apply for VGLI online.

Family Servicemembers' Group Life Insurance (FSGLI) All Servicemembers should use SOES to decline, reduce, or restore FSGLI coverage.  To access SOES, go to www.milconnect.dmdc.osd.mil/milconnect/. Members who do not have access to SOES should use SGLV 8286A to to make changes to FSGLI coverage.

Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) Coverage is automatic for all Servicemembers covered by SGLI. To file claim for the TSGLI benefit, complete and file SGLV 8600.

Service-Disabled Veterans' Insurance (S-DVI) apply for S-DVI online or complete and file form VA 29-4364.

Veterans' Mortgage Life Insurance (VMLI) Complete and file form VA 29-8636, Application for Veterans' Mortgage Life Insurance.