SERVICEMEMBER'S GROUP LIFE INSURANCE

SGLI

SGLI/SOES

Servicemembers’ Group Life Insurance (SGLI) is a program of low-cost group life insurance for servicemembers on active duty, ready reservists, members of the National Guard, cadets in the Air Force Academy, and members of the Reserve Officer Training Corps.

SOES is the Servicemembers' Group Life Insurance (SGLI) On-Line Enrollment System. It replaces the paper-based SGLI/Family SGLI (FSGLI) enrollment, maintains elections and beneficiary information, and provides 24/7 self-service access to SGLI information. SGLI provides insurance coverage to eligible members of the active and reserve components. SOES centralizes SGLI/FSGLI data into one authoritative system capable of providing consistent SGLI/FSGLI information to members and their leadership. 

SOES is available through DMDC’s milConnect web application.  After signing in, click on “SOES” under the “Benefits” tab.

COVERAGE

The maximum amount of SGLI coverage you may have is $500,000. You may elect to be insured for lesser amounts in increments of $50,000. If you choose to decline or reduce your SGLI coverage, you must log into the Servicemember's Online Election System (SOES) via milConnect. Beginning July 1, 2025, monthly premium rates for the SGLI program will be discounted.

The SGLI premium discount lowers the rate from $0.06 per $1,000 of coverage to $0.05 per $1,000 of coverage. Therefore, the new premium for the maximum amount of SGLI coverage of $500,000 will be $25.00 per month, plus $1.00 for Traumatic Injury Protection (TSGLI) coverage. All active duty, Reserve, and National Guard Service members with active SGLI coverage will automatically receive the premium discount.

The lower premium will be reflected on insureds Service members’ Leave and Earning Statement (LES) and notifications will be posted on pay system messaging as well as in the SGLI Online Enrollment System (SOES).

You can view the premium rate chart showing the lower monthly amounts per each level of coverage HERE
Visit the SGLI Premium Discount Frequently Asked Questions webpage to learn more about the discount.

For additional information on the Service members' Group Life Insurance, please visit the VA Website.

Family Servicemembers’ Group Life Insurance (FSGLI)

The Department of Veterans Affairs (VA) offers coverage for the spouse and dependent children of Service memberscovered under full-time Servicemembers’ Group Life Insurance (SGLI). Spousal coverage is available in increments of $10,000 up to a maximum of $100,000, not to exceed the amount of the Service member’s SGLI coverage. Dependent children are insured automatically for $10,000 at no cost to the Service member.

New Premium Rate

The FSGLI premium rates are lowering for all age brackets ranging from11% to 22%. The average discount premium will be approximately 13%.

The premium rate chart showing the lower monthly amount for each age bracket and coverage amount can be found HERE. 

Retirees

VGLI

The Department of Veterans Affairs (VA) offers low-cost group term life insurance coverage to eligible Veterans as anearned benefit. You are able to convert your Servicemembers’ Group Life Insurance (SGLI) coverage to Veterans’ GroupLife Insurance (VGLI) coverage during the 1 year and 120 day period after separation from service. If you apply within 240days after separation, you won’t have to answer any health questions. You can keep VGLI for as long as you continue topay the premiums. VGLI can be used to cover end-of-life planning, provide income replacement, and offers financial stabilityto family members when a Veterans dies.

NEW PREMIUM RATE

The VGLI premium rates are lowering for all age brackets ranging from 2% to 17%.The average premium discount, across all age groups, will be approximately 11%. The premium rate discount is automatic and VGLI insureds do not need to take any action to receive the premium discount. Depending on the payment method, they may need to adjust their payment amount.

The premium rate chart showing the lower monthly amount for age bracket andcoverage amount can be found HERE. 

COVERAGE

VGLI provides lifetime coverage as long as you pay the premiums. You may enroll for a maximum amount of coverage that is equal to the amount of Servicemembers’ Group Life Insurance (SGLI) coverage you had when you separated from service. Lesser amounts of coverage are also available in increments of $10,000.

Once enrolled in VGLI, you will have the opportunity to increase your coverage by $25,000 every five years up to the legislated maximum of $500,000, until age 60. No proof of good health is required.

ENROLLMENT PERIOD

You have 1 year and 120 days from your date of separation to apply for VGLI. If you apply for coverage within 240 days of your date of separation, you will not need to answer health questions.

For more information on VGLI, please go to the VA website. 

Federal Employees' Group Life Insurance (FEGLI) Program

The Federal Employees' Group Life Insurance (FEGLI) Program currently covers over four million federal employees and retirees, as well as many of their family members.  The Office of Federal Employees' Group Life Insurance (OFEGLI), which is a private entity that has a contract with the federal government, processes and pays claims under the FEGLI Program.  For more information on:

 

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