What is SGLI?


By Dana Bretz

If you’re trying to sound that word out, think again, it is one of many acronyms floating around the military. It stands for Servicemembers Group Life Insurance. What exactly does that mean? Good question, let’s get educated!

SGLI is a program that provides low-cost term life insurance coverage to eligible Servicemembers. If eligible, members are automatically issued the maximum coverage and if qualified they are automatically enrolled. A Servicemember has complete control of this benefit and can decline coverage, or select a lesser amount than maximum and designate beneficiaries. SGLI coverage is available in $50,000 increments up to the maximum of $400,000. Covered members receive 120 days of free coverage from their date of separation. If a Servicemember elects to have SGLI coverage, a monthly premium is automatically deducted from their base pay and will be shown on their leave and earnings statement. As a spouse, this is important information to be aware of. We often times don’t want to think of having to use this benefit, but please stay educated and aware.

If you are wondering if dependents also have the same type of coverage available to them, look no further! Let me share some information on that topic with you. There is a FSGLI, Family Servicemembers’ Group Life Insurance. This is a program that provides term life insurance coverage to the spouse and dependent children of Servicemembers insured under SGLI. The Servicemember pays the premium for spousal coverage and dependent children are insured at no cost. FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the Servicemembers’ SGLI coverage amount, and $10,000 for dependent children.

I know that seems like a lot of information to take in for a new spouse, especially with everything else being thrown your way. Remember, you don’t have to memorize every single detail of each benefit, but it is so important to remain mindful of these issues. Spouses are an invaluable part of the team and together we are one!

1 thought on “What is SGLI?”

  1. Together we are one! Great, informative read about this important benefit. If anyone is interested in digging further into the topic of life insurance for military benefits, you can visit my blog. Life gets so busy for us mil spouses it’s easy to overlook planning properly for the premature passing of our loved ones.


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