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. Can i get life insurance.
The SGLI Online Enrollment System (SOES) is Now Live for Navy, Air Force, Army and Marine Corps Servicemembers
Beginning May 1, 2018, members of the Marine Corps can manage their Servicemembers’ Group Life Insurance (SGLI) coverage using the SGLI Online Enrollment System (SOES). Marines Corps members join the Army, Navy and Air Force in using the new system. Navy began using SOES on April 5, 2017, Air Force on August 2, 2017 and Army on October 1, 2017. Army, Navy, Air Force and Marine Corps members should look for information from their service about when they should access SOES to confirm and certify their SGLI elections.
SOES access for Coast Guard, National Oceanic and Atmospheric Administration is planned for release later in October 2018*
SGLI provides automatic life insurance coverage of $400,000 to Servicemembers upon enlistment. Members with SGLI also get automatic traumatic injury protection (TSGLI) and life insurance coverage for their dependent children and spouse under the Family SGLI program, unless the child or spouse is already insured under SGLI as a Servicemember. Servicemembers with full-time SGLI coverage will no longer have to complete a paper SGLV-8286 to make changes to their coverage or beneficiary elections. Instead, these Servicemembers can use the online system, SOES, to manage the amount of their SGLI and spouse coverage and to designate or update beneficiaries.
To access SOES, go to www.dmdc.osd.mil/milconnect, sign in, and go to Benefits, Life Insurance SOES - SGLI Online Enrollment System. Servicemembers can log in with their CAC or with their DS Logon using Internet Explorer as soon as they receive notice that SOES access is available. Servicemembers can then make sure their SGLI coverage and beneficiaries are up-to-date.
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.
Veterans' Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.
Standard life insurance
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.
Do you Qualify for VA Insurance?
Follow this link for an easy way to find out if you are eligible for all our programs, including Service Disabled Veterans Insurance (S-DVI), Veterans Group Life Insurance and Family SGLI, TSGLI, and Veterans Mortgage Life Insurance. You’ll find infographics (timelines and charts) for each program.
Servicemembers' Group Life Insurance (SGLI) 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. Learn More
Veterans' Group Life Insurance (VGLI) Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service. Learn More
Family Servicemembers' Group Life Insurance (FSGLI) Term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI. Learn More
Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) All Servicemembers insured by SGLI are automatically covered by TSGLI. Learn More
Service-Disabled Veterans' Insurance (S-DVI) Servicemembers who were released from active duty under other than dishonorable conditions after April 25, 1951, AND have been granted service connection for any disability (even 0 percent) within the last two years, AND are in good health except for any service connected conditions may be eligible. Learn More
Veterans' Mortgage Life Insurance (VMLI) VMLI is available to Veterans who received a Specially Adapted Housing Grant (SAH), have title to the home, and have a mortgage on the home. Learn More
Servicemembers' Group Life Insurance (SGLI) SGLI coverage is automatic. Army, Navy, Air Force and Marine Corps members should use the SGLI Online Enrollment System (SOES) to designate beneficiaries, or reduce, decline or restore SGLI coverage. To access SOES, go to www.dmdc.osd.mil/milconnect. Members of Coast Guard, National Oceanic and Atmospheric Administration and Public Health Service should use SGLV 8286 to make changes to SGLI.
Online life quotes
Family Servicemembers' Group Life Insurance (FSGLI) Army, Navy, Air Force and Marine Corps members should use SOES to decline, reduce, or restore FSGLI coverage. To access SOES, go to www.dmdc.osd.mil/milconnect. Members of Coast Guard, National Oceanic and Atmospheric Administration and Public Health Service 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.
Veterans' Mortgage Life Insurance (VMLI) Complete and file form VA 29-8636, Application for Veterans' Mortgage Life Insurance.