Servicemembers' and Veterans' Group Life Insurance 

Handbook 

Supervised by the Secretary of Veterans Affairs 

Veterans Benefits Administration 

Washington, DC 20420 

H-29-98-1 

November 4, 2002 

Revised: March 21. 2006 

TABLE OF CONTENTS 

CHAPTER 1. GENERAL PROVISIONS................................................................................................4

1.01 GENERAL INFORMATION.........................................................................................................................4

1.02 DEFINITIONS .............................................................................................................................................4

1.03 PERSONS ELIGIBLE TO BE INSURED ....................................................................................................6

1.04 EFFECTIVE DATE OF INSURANCE .........................................................................................................6

1.05 PERIODS OF COVERAGE ........................................................................................................................7

1.06 EXTENSION OF COVERAGE BASED ON DISABILITY ...........................................................................7

1.07 COST OF INSURANCE..............................................................................................................................8

1.08 CONTINUITY OF ELECTIONS AND DESIGNATIONS .............................................................................8

1.09 INFORMATION TO BE PROVIDED TO MEMBERS..................................................................................9

1.10 FORFEITURE OF GROUP INSURANCE ..................................................................................................9

1.11 ASSIGNMENT, TAXATION, AND CLAIMS OF CREDITORS..................................................................10

1.12 LEGISLATIVE HISTORY..........................................................................................................................10

CHAPTER 2. TERMINATION OF INSURANCE..................................................................................12

2.01 TERMINATION OF INSURANCE.............................................................................................................12

CHAPTER 3. REDUCTION OR CANCELLATION OF INSURANCE ................................................13

3.01 FULL-TIME INSURANCE.........................................................................................................................13

3.02 PART-TIME COVERAGE .........................................................................................................................13

3.03 ACTION BY UNIFORMED SERVICE.......................................................................................................13

CHAPTER 4. RESTORATION AND REQUEST FOR COVERAGE ...................................................15

4.01 AUTOMATIC RESTORATION..................................................................................................................15

4.02 REQUEST FOR INSURANCE..................................................................................................................15

CHAPTER 5. ACCELERATED BENEFITS OPTION ..........................................................................16

5.01 GENERAL.................................................................................................................................................16

5.02 REQUEST FOR ACCELERATED BENEFITS..........................................................................................16

5.03 EFFECTIVE DATE....................................................................................................................................16

CHAPTER 6. BENEFICIARIES ...........................................................................................................17

6.01 DESIGNATIONS OF BENEFICIARY (IES) - GENERAL..........................................................................17

6.02 PREPARATION OF SGLV 8286 ..............................................................................................................17

6.03 UNCLEAR OR UNUSUAL BENEFICIARY DESIGNATIONS...................................................................17

6.04 DESIGNATIONS OF BENEFICIARIES WHO ARE MINORS ..................................................................18

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6.05 DESIGNATION CHANGE OR CANCELLATION......................................................................................18

6.06 BENEFICIARY (IES) NOT DESIGNATED................................................................................................18

6.07 AUTOMATIC TERMINATION OF BENEFICIARY DESIGNATION..........................................................19

CHAPTER 7. ELECTION OF METHOD FOR PAYMENT OF PROCEEDS.......................................20

7.01 GENERAL.................................................................................................................................................20

7.02 ELECTION OR CHANGE OF METHOD OF PAYMENT..........................................................................20

7.03 EFFECTIVE DATE OF ELECTION OR CHANGE ...................................................................................20

CHAPTER 8. DEATH CLAIMS............................................................................................................21

8.01 GENERAL.................................................................................................................................................21

8.02 PROOF OF DEATH AND VERIFICATION OF INSURANCE IN FORCE ................................................21

8.03 PREPARATION OF SGLV 8283 ..............................................................................................................21

8.04 CONTACTING THE BENEFICIARY WHEN DEATH OCCURS...............................................................22

8.05 WHEN SURVIVOR HAS NO PROOF OF SGLI COVERAGE..................................................................22

8.06 PAYMENT OF PROCEEDS .....................................................................................................................22

CHAPTER 9. BENEFICIARY FINANCIAL COUNSELING SERVICES (BFCS)................................24

CHAPTER 10. FAMILY COVERAGE..................................................................................................25

10.01. GENERAL..............................................................................................................................................25

10.02 PERSONS ELIGIBLE TO BE INSURED ................................................................................................25

10.03 EFFECTIVE DATE OF INSURANCE .....................................................................................................25

10.04 COST OF INSURANCE..........................................................................................................................27

10.05 TERMINATION OF INSURANCE...........................................................................................................27

10.06 REDUCTION AND CANCELLATION OF INSURANCE.........................................................................27

10.07 REQUEST FOR COVERAGE ................................................................................................................27

10.08 ACCELERATED BENEFITS OPTION....................................................................................................28

10.09 CONVERSION........................................................................................................................................28

10.10 CLAIMS...................................................................................................................................................28

10.11 LEGISLATIVE HISTORY........................................................................................................................29

CHAPTER 11. TRAUMATIC INJURY PROTECTION (TSGLI)...........................................................30

11.01 GENERAL...............................................................................................................................................30

11.02 PERSONS ELIGIBLE TO BE INSURED ................................................................................................30

11.03 EFFECTIVE DATE OF INSURANCE .....................................................................................................31

11.04 COST OF INSURANCE..........................................................................................................................31

11.05 TERMINATION OF INSURANCE...........................................................................................................32

11.06 CLAIMS...................................................................................................................................................32

11.07 Payment of Proceeds..............................................................................................................................33

11.08 LEGISLATIVE HISTORY........................................................................................................................33

CHAPTER 12. VETERANS' GROUP LIFE INSURANCE ...................................................................34

12.01. GENERAL..............................................................................................................................................34

12.02 PERSONS ELIGIBLE TO BE INSURED ................................................................................................34

12.03 TIME ALLOWED TO APPLY FOR VGLI ................................................................................................35

12.04 EFFECTIVE DATE..................................................................................................................................37

12.05 PAYMENT OF PREMIUMS ....................................................................................................................37

12.06 APPLICATION FOR VGLI WHEN A MEMBER IS INCOMPETENT ......................................................37

12.07 BENEFICIARIES AND METHOD OF PAYMENT OF INSURANCE PROCEEDS.................................38

12.08 ACCELERATED BENEFITS OPTION....................................................................................................38

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12.09 CONVERSION TO AN INDIVIDUAL POLICY ........................................................................................38

12.10 DEATH CLAIMS .....................................................................................................................................39

12.11 LAPSE AND REINSTATEMENT ............................................................................................................39

12.12 RENEWAL ..............................................................................................................................................39

12.13 VGLI LEGISLATIVE HISTORY...............................................................................................................40

CHAPTER 13. MISCELLANEOUS......................................................................................................41

13.01 ADMINISTRATIVE DECISIONS.............................................................................................................41

13.02 ADVISORY COUNCIL ON SERVICEMEMBERS’ GROUP LIFE INSURANCE AND VETERANS’ 

GROUP LIFE INSURANCE..............................................................................................................................42

CHAPTER 14. RECORDS AND FORMS ............................................................................................43

14.01 THE MAINTENANCE OF RECORDS ....................................................................................................43

14.02 FORMS ...................................................................................................................................................43

APPENDIX A: SGLI AND VGLI FORMS.............................................................................................45

APPENDIX B: ADDRESSES FOR BRANCH OF SERVICE CASUALTY OFFICES..........................47

APPENDIX C: PREMIUM RATE TABLES FOR VGLI........................................................................50

APPENDIX D : PREMIUM RATE TABLES FOR SPOUSAL FSGLI ..................................................56

APPENDIX E : PREMIUM RATES FOR SGLI AND TSGLI COVERAGE ..........................................58

APPENDIX F : CONDITIONS EXCLUDED FROM TSGLI COVERAGE ............................................60

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CHAPTER 1. GENERAL PROVISIONS 

1.01 GENERAL INFORMATION 

 a. Servicemembers’ Group Life Insurance (SGLI) is the life insurance currently available to 

all members of the uniformed services. SGLI is a group life insurance policy purchased by VA 

from a commercial life insurance company. 

 b. The Office of Servicemembers’ Group Life Insurance (OSGLI) administers the SGLI 

program. The OGSLI may be contacted as follows: 

General Correspondence: Office of Servicemembers' Group Life Insurance (OSGLI) 

 P O Box 41618, Philadelphia, PA 19176-9913 

All Claims Correspondence: Office of Servicemembers' Group Life Insurance (OSGLI) 

 290 W. Mt. Pleasant Avenue, Livingston, NJ 07039

Toll-free telephone: 1-800-419-1473 

Toll-free fax: 

Death & accelerated benefit claims only: 1-877-832-4943 

All other inquiries: 1-800-236-6142 

General Email: 

osgli.osgli@prudential.com 

Death, TSGLI and accelerated benefits claims email: 

osgli.claims@prudential.com 

 c. The insurance issued under the group policy is term insurance. SGLI does not pay 

dividends. In addition, there are no loan, cash, paid-up or extended insurance values, or any 

provision for waiver of premiums or benefit because of total disability, accidents, etc., except as 

described in paragraph 1.06. 

 d. Members on active duty, active duty for training or inactive duty for training and 

members of the Ready Reserve are automatically covered for $400,000, the maximum amount of 

coverage. 

 e. Each member should complete a copy of form SGLV 8286, Servicemembers’ Group Life 

Insurance Election and Certificate (see appendix A) to designate one or more beneficiaries to 

receive payment of the insurance proceeds. A copy of this form also serves as a certificate of 

coverage. 

 f. Members who elect to be insured for less than the maximum amount, or elect to decline 

coverage entirely, must also complete form SGLV 8286, Servicemembers’ Group Life Insurance 

Election and Certificate. 

 g. Coverage under the group life insurance policy does not affect an insured’s right to 

retain any other government or private insurance, or his or her entitlement to other veterans’ 

benefits. For example, a member can be insured for up to $30,000 in Service-Disabled Veterans 

Insurance (S-DVI) coverage and have $400,000 of SGLI coverage at the same time. 

1.02 DEFINITIONS 

 a. Member: 

 (1) A person on active duty, active duty for training, or inactive duty training in the 

uniformed services in a commissioned, warrant, or enlisted rank or grade, or as a cadet or 

midshipman at the United States Military Academy, United States Air Force Academy or the 

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United States Coast Guard Academy; 

 (2) A person who volunteers for assignment to the Ready Reserve of a uniformed service 

and is assigned to a unit or position in which he or she may 

 be required to perform active duty or active duty for training and each year will be 

scheduled to perform at least 12 periods of inactive duty training that is creditable for retirement 

purposes under title 10, United States Code, chapter 67; 

 (3) A person who volunteers for assignment to a “mobilization” category in the Individual 

Ready Reserve that makes them subject to being ordered to active duty involuntarily in 

accordance with section 12304 (i)(1) of title 10, United States Code. 

 (4) A member, cadet, or midshipman of the Reserve Officers’ Training Corps (ROTC) while 

attending field training or practice cruises. 

 

 b. Active Duty: 

 (1) Full-time duty in the Armed Forces, other than active duty for training; 

 (2) Full-time duty (other than for training purposes) as a commissioned officer of the 

Regular or Reserve Corps of the Public Health Service (PHS); 

 (3) Full-time duty as commissioned officer of the National Oceanic and Atmospheric 

Administration (NOAA); and 

 (4) Full-time duty as a cadet or midshipman at the United States Military Academy, United 

States Naval Academy, United States Air Force Academy, or the United States Coast Guard 

Academy. 

 

 c. Armed Forces: the United States Army, Navy, Air Force, Marine Corps, Coast Guard and 

the Reserves thereof. 

 

 d. Active duty for training: 

 (1) Full-time duty in the Armed Forces performed by Reserves for training purposes; 

 (2) Full-time duty for training purposes as a commissioned officer of the Reserve Corps of 

the PHS; 

 (3) Full-time duty as a member, cadet or midshipman of the ROTC while attending field 

training or practice cruises; or 

 (4) Full-time duty under 32 U.S.C. 316, 502, 503, 504, or 505 as a member of the Army 

National Guard or Air National Guard of any State. 

 

 e. Inactive duty training: 

 (1) Duty (other than full-time duty) authorized for Reserves (including commissioned 

officers of the Reserve Corps of the PHS) which is scheduled in advance by competent authority 

to begin at a specific time and place; or 

 (2) Duty in the case of members of the Army National Guard or Air National Guard of any 

State, means duty (other than full-time duty) which is scheduled in advance by competent 

authority to begin at a specific time and place under 32 U.S.C. 316, 502, 503, 504, or 505. 

 

 f. "Active duty for training" and "inactive duty training" do not include: 

 (1) Duty performed as a temporary member of the Coast Guard Reserve; 

 (2) Work or study performed in connection with correspondence courses; or 

 (3) Attendance at an educational institution in an inactive status. 

 g. Uniformed services: 

 (1) Army, Navy, Air Force, Marine Corps, and Coast Guard; 

 (2) Corresponding Reserve and the ROTC of each of the above; 

 (3) Army National Guard and Air National Guard; 

 (4) Commissioned Corps of the PHS and its Reserve Corps; and 

 (5) Commissioned Corps of the NOAA. 

 

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 h. Termination of duty: 

 (1) Discharge, release or separation from active duty or active duty for training being 

performed under a call or order that does not specify a period of less than 31 days; or 

 (2) In the case of other duty, the member’s release from his or her obligationto perform 

any duty in his or her uniformed service (active duty, active duty for training or inactive duty 

training) whether arising from limitations included in a contract of enlistment or similar form of 

obligation, or arising from resignation, retirement or other voluntary or involuntary action that 

terminates the obligation to perform. 

 

 i. Break in service: 

 (1) When a member terminates duty or obligation to perform duty in one service and 

enters on duty, or assumes the obligation to perform duty, inanother uniformed service, 

regardless of the length of time intervening; or 

 (2) When a member re-enters on duty, or resumes an obligation to perform duty as a 

Reservist, in the same uniformed service and one calendar day or more has elapsed following 

termination of the prior period of duty or obligation to perform duty. 

 

 j. Waiver: means an election in writing, signed by a member and received by the 

uniformed service, not to be insured for SGLI. 

1.03 PERSONS ELIGIBLE TO BE INSURED 

 a. Full-time coverage is provided for the following members of the uniformed services 

while performing full-time active duty or active duty for training, under calls or orders that do not 

specify periods of less than 31 days: 

 (1) Commissioned, warrant and enlisted members of the Army, Navy, Air Force, Marine 

Corps and Coast Guard and commissioned members of the NOAA and PHS; 

 (2) Members of the Ready Reserve of a uniformed service who are assigned to a unit or 

position in which they may be required to perform active duty or active duty for training and each 

year will be scheduled to perform at least 12 periods of inactive duty training that is creditable for 

retirement purposes under title 10, United States Code. 

 (3) Members of the Individual Ready Reserve (IRR) who volunteer for assignment to a 

“mobilization” category under section 12304 (i)(1) of title 10, United States Code. 

 (4) Cadets or midshipmen of the United States Military Academy, United States Naval 

Academy, United States Air Force Academy and the United States Coast Guard Academy; and 

 (5) Members, cadets or midshipmen of the ROTC while attending field training or 

practice cruises. 

 b. Part-time coverage is provided to the following eligible members of the Reserves who 

do not qualify for full-time coverage while performing active duty or active duty for training under 

calls or orders specifying periods of less than 31 days: 

 (1) Commissioned, warrant and enlisted members of the Army, Navy, Air Force, Marine 

Corps and Coast Guard Reserves (except temporary members of the Coast Guard Reserve); 

 (2) Members of the Individual Ready Reserve (IRR) during one-day call-ups; 

 (3) Reserve Corps of the PHS; 

 (4) The Army National Guard and Air National Guard while performing duty under 32 

U.S.C. 316, 502, 503, 504, or 505; and (5) Members, cadets and midshipmen of the 

ROTC, while attending field training or practice cruises. 

1.04 EFFECTIVE DATE OF INSURANCE 

a. The effective date of coverage for members on active duty, active duty for training, or 

inactive duty training is: 

 (1) The first day of active duty or active duty for training; or 

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 (2) The beginning of a period of inactive duty training. 

 

b. For members who previously declined coverage or elected to be insured for less than 

the maximum amount, the effective date of coverage is the date an application electing coverage 

or an increase in coverage is received by the member’s branch of service. If it is necessary for 

such application to be forwarded to the OSGLI for review, the effective date of coverage will be 

the date the was received by the service. However, premium deductions will not begin until 

OSGLI has approved the application. 

 

1.05 PERIODS OF COVERAGE 

 a. Full-time Coverage 

 (1) For members performing active duty or active duty for training under a call or order 

that does not specify a period of less than 31 days, coverage is in effect during the period of such 

duty and for 120 days following separation or release. 

 (2) For members of the Ready Reserves who are eligible for full-time coverage under the 

law, coverage is in effect during the period of such duty or status and for 120 days following 

separation or release from such duty. 

 (3) For members who are totally disabled at separation or release, coverage is 

extended for a limited time beyond the 120 days. (See paragraph 1.06.) 

 b. Part-time Coverage 

 (1) Active Periods. Eligible members of the Reserves performing active duty or active duty 

for training, under calls or orders specifying periods less than 31 days, are insured during the 

actual days of such duty. Hereafter, these are referred to as Reservist active periods. 

 (2) Inactive Periods. Eligible members of the Reserves, performing inactive dutytraining 

(brief periods of less than a day of drills, etc.) scheduled in advance bycompetent authority to 

begin at a specific time and place, are insured during the actual time of such inactive duty 

training period. 

 (3) In Route. Members are also covered while proceeding directly to and returning directly 

from the Reservist active or inactive period of duty. 

 (4) Members eligible for part-time coverage become eligible for full-time coverage when 

they perform active duty or active duty for training, under calls or orders that do not specify 

periods of less than 31 days. 

1.06 EXTENSION OF COVERAGE BASED ON DISABILITY 

 a. Full-time Coverage. If a member who has full-time SGLI coverage, is totally disabled at 

the time of separation or release from active duty or the Ready Reserves, SGLI coverage will 

continue for as long as the member remains totally disabled, up to a maximum of one year from 

the date of release or separation, but in no event less than 120 days from the date of separation 

or release. Hereafter, this coverage is called the SGLI Disability Extension. 

An application for the SGLI Disability Extension may be obtained on the VA Insurance 

website. It is recommended that members apply for the SGLI Disability Extension within 120 

days from discharge so that if they are found ineligible for the SGLI Disability Extension they will 

be automatically approved for Veterans’ Group Life Insurance without any health review. 

Members who apply for the SGLI Disability Extension after 120 days from discharge and who are 

not approved for the coverage, may not qualify for Veterans’ Group Life Insurance if they have 

serious health problems. 

 

 b. Part-time Coverage. If a member, who has part-time SGLI coverage, incurs a disability 

or aggravates an existing disability while SGLI coverage is in force, the following will apply: 

 (1) The insurance is payable if death results from such incurred or aggravated disability 

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within 120 days following the Reservist active or inactive period during which the disability was 

incurred or aggravated. 

 (2) If such disability causes the member to be uninsurable at standard rates, the 

insurance continues for 120 days following the Reservist active or inactive period during which 

the disability was incurred or aggravated and the member is eligible to convert to VGLI coverage 

prior to the 121st day. Application must be made to the OSGLI during this 120 day period. (See 

paragraph 1.01b for address.) 

 (3) In determining whether an individual was authorized to perform duty and whether the 

member was rendered uninsurable or died within 120 days thereafter from a disability incurred or 

aggravated the following will be taken into account: 

 (a) The call or order to duty, the order and authorizations of competent authority; 

 (b) The hour on which the member began to proceed to or return from such duty; 

 (c) The hour on which the member was scheduled to arrive for, or on which he or she 

ceased to perform such duty; 

 (d) The method of travel employed; 

 (e) The member’s itinerary; 

 (f) The manner in which travel was performed; and 

 (g) The immediate cause of disability or death. 

1.07 COST OF INSURANCE 

 a. The cost of SGLI is shared by the member and the Government. The member pays the 

normal cost of the insurance (the premium) and the Government pays the cost of all death claims 

in excess of the level of death claims which would result from normal peacetime service in the 

uniformed services. 

 b. For all members entitled to SGLI coverage, the necessary amount will be deducted from 

the member’s service pay or otherwise collected from the member by the uniformed service. 

 c. The monthly contribution by members on active duty and members of the Ready 

Reserve is $26.00 for $400,000 coverage and 65 cents per $10,000 for lesser amounts. The 

premium for part-time SGLI coverage is $26.00 per year for $400,000 insurance. Members of the 

IRR are 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. 

 d. The law, Title 38 of the United States Code, section 1969, requires the uniformed 

services to remit amounts equal to the deduction which should have been made for members 

who are provided full-time or part-time coverage and who are not receiving pay. 

 e. No withholdings or deductions will be made for SGLI from terminal leave or separation 

pay for any period the insurance remains in force following separation or release from active 

duty. 

1.08 CONTINUITY OF ELECTIONS AND DESIGNATIONS 

The rules in this section apply whenever a member performs any of the following actions: · 

1 Elects not to be insured; · 

2 Elects to be insured for a reduced amount (less than the $400,000 maximum); · 

3 Designates a beneficiary; or · 

4 Elects a mode of settlement for the beneficiary. 

a. Full-time Coverage 

(1) Elections and designations for members insured under full-time coverage are effective 

only during the period of duty in which a member is serving and for 120 days thereafter. (If a 

member is totally disabled, this period is extended to one year following separation or release.) 

(2) If a member converts his or her SGLI coverage to VGLI and does not redesignate a 

beneficiary for VGLI, the beneficiary election for SGLI will remain in effect for not more than 60 

days following the effective date of VGLI. After this 60-day period, the designation will 

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automatically become a "By Law" designation. (See chapter 11, paragraph 11.08b.) 

(3) A member may change his or her beneficiary designation and/or mode of settlement 

during the 120-day period following termination of duty and such election will replace any prior 

election and will continue for the remainder of the 120-day period. Designations or elections 

made during this period should be sent to the OSGLI. (See paragraph 1.01b for address.) 

(4) The beneficiary designation and election of mode of payment continue to apply for any 

member who resumes the obligation to perform duty or re-enters on duty in the same uniformed 

service on the day following termination of a period of obligation to perform duty. 

(5) Any existing election of mode of settlement and designation of beneficiary is 

automatically canceled and a new election or designation must be submitted if desired when: 

(a) A member resumes an obligation to perform duty or re-enters on duty in the same 

uniformed service and one calendar day or more has elapsed following termination of a previous 

obligation or duty; or 

(b) A member assumes an obligation to perform duty or re-enters on duty in a different 

uniformed service at any time. 

(6) An election to be insured for a reduced amount or an election not to be insured does 

not apply to a new period of coverage. Unless a new election to be insured for a reduced amount 

or an election not to be insured is filed with the member’s uniformed service, a new period of 

coverage begins in the amount of $250,000 and any prior election not to be insured or to be 

insured for a reduced amount is canceled. 

b. Part-time Coverage 

(1) Elections and designations for members who qualify for part-time coverage continue in 

effect during the periods of continuous obligation to perform duty in the same uniformed service 

including periods of duty or active duty for training which entitle the member to full-time 

coverage. 

(2) Any election or designation for members who qualify for full-time service continues to 

be effective for the coverage period following separation (generally 120 days) or release from 

such duty, and continues for part-time coverage thereafter if the member immediately resumes 

the obligation to perform duty. 

(3) If part-time coverage is extended by reason of incurred or aggravated disability for 

120 days following a period of active duty, an election or designation is also effective throughout 

that extended period. 

1.09 INFORMATION TO BE PROVIDED TO MEMBERS 

a. Under the provisions of the Veterans Benefits Improvements Act of 1996 (Public Law 104-

275), the uniformed services are required to furnish members general information regarding life 

insurance whenever a member has the opportunity to make an election not to be insured or to be 

insured in an amount less than the maximum amount of $400,000, and at other times 

periodically. This information should include: the purpose and role of life insurance in financial 

planning; the difference between term life insurance and whole life insurance; the availability of 

commercial life insurance; and the relationship between SGLI and VGLI. 

b. Uniformed services personnel shall inform new members about the automatic features of SGLI, 

such as the immediate insurance protection of $400,000 coverage, the cost of insurance and how 

premiums will be paid. (See paragraph 1.07.) The Uniformed Services shall also inform new 

members that the privilege of continuing group insurance coverage as VGLI and converting to an 

individual policy is valuable, particularly in cases where the member may not be able, for health 

reasons, to buy insurance after discharge or separation. 

1.10 FORFEITURE OF GROUP INSURANCE 

The insurance is forfeited when an insured member is guilty of mutiny, treason, spying, or 

desertion, or refuses, because of conscientious objections, to perform service in the Armed Forces 

of the United States, or refuses to wear the uniform of such force. No insurance shall be payable 

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for death inflicted as a lawful punishment for crime or for military or naval offense except when 

inflicted by an enemy of the United States. 

1.11 ASSIGNMENT, TAXATION, AND CLAIMS OF CREDITORS 

The SGLI and VGLI proceeds and Accelerated Benefit payments are not assignable. Payments 

of any SGLI or VGLI benefits, including Accelerated Benefits, are exempt from taxation and 

are not subject to claims of creditors of the insured or creditors of the beneficiary, except 

certain claims of the United States. 

1.12 LEGISLATIVE HISTORY 

a. Public Law 89-214, effective September 29, 1965, established the Servicemens' Group 

Life Insurance (SGLI) program. The law provided $10,000 of group life insurance for all active 

duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard, and the Commissioned 

Corps of the PHS and NOAA. 

b. Public Law 91-291, effective June 25, 1970, amended the original law by increasing the 

maximum amount of coverage for all members to $15,000 and by extending eligibility for limited 

periods of coverage to additional members. 

c. Public Law 92-315, effective June 20, 1972, extended coverage to cadets or 

midshipmen of the United States Military Academy, United States Naval Academy, United States 

Air Force Academy and the United States Coast Guard Academy. 

d. Public Law 93-289, effective May 24, 1974, increased the maximum amount of 

coverage for all members to $20,000 and extended full-time SGLI coverage to members of the 

Ready Reserves and Retired Reserves. The new law also provided for the conversion of SGLI to a 

5-year nonrenewable term policy called Veterans’ Group Life Insurance (VGLI). 

e. Public Law 97-66, effective December 1, 1981, increased the maximum amount of 

insurance under both the SGLI and VGLI programs to $35,000. 

f. Public Law 99-166, effective January 1, 1986, increased the maximum amount of 

coverage for all members to $50,000 and extended VGLI coverage to members of the IRR and 

Inactive National Guard (ING). 

g. Public Law 102-25, effective April 6, 1991, increased the maximum amount of 

insurance for all members to $100,000, with lesser amounts available in increments of $10,000. 

h. Public Law 102-568, effective December 1, 1992, increased the maximum SGLI and 

VGLI available to $200,000. Basic coverage remained at $100,000 and an additional $100,000 of 

supplemental coverage was made available to members of the uniformed services upon 

application. The new law also provided that VGLI in effect on or after December 1, 1992, is 

renewable. (See Chapter 8.) 

i. Public Law 104-106, effective April 1, 1996, increased the amount of basic coverage to 

$200,000. Members were automatically insured for $200,000 and had to elect in writing to 

decline or reduce their coverage to less than $200,000. The law also granted to Secretaries of the 

military service departments the authority to terminate SGLI coverage when premiums are not 

paid. 

j. Public Law 104-275, effective January 6, 1997, merged Retired Reservists SGLI into the 

VGLI program and extended VGLI to members of the Ready Reserves. The amendment also 

provided that members can convert their SGLI directly to a commercial policy of insurance and 

may convert VGLI to a commercial policy at any time rather than only at the end of 5year 

periods. The new law also renamed the SGLI program to Servicemembers’ Group Life Insurance 

and included a provision that requires representatives of the military services to provide general 

information regarding insurance and SGLI and VGLI to its members. 

k. Public Law 105-368, effective February 9, 1999, established an Accelerated Benefit 

option for terminally-ill SGLI and VGLI insureds. Under this option, a terminally-ill member may 

receive in a lump-sum payment a portion of the face value of the insurance as an accelerated 

death benefit. 

l. Public Law 106-419 increased the maximum amount of SGLI and VGLI coverage from 

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$200,000 to $250,000 effective April 1, 2001. It also provided that members of the Individual 

Ready Reserves (IRR) who are subject to involuntary call-up authority will be eligible to enroll in 

the SGLI program. 

m. Public Law 109-13 increased the maximum amount of SGLI and VGLI coverage from 

$250,000 to $400,000 effective September 1, 2005. and increased the SGLI coverage 

increments from $10,000 to $50,000 (VGLI increments remain at $10,000). It also provided for 

Traumatic Injury Coverage under SGLI effective December 1, 2005. 

n. Public Law 109-80 made the increase in maximum SGLI and VGLI coverage to 

$400,000, and the change in SGLI increments to $50,000 permanent. It also provided for spousal 

notification of change in SGLI beneficiary and reduction or declination of coverage. 

o. PL 109-163 authorizes an additional SGLI death gratuity of $150,000 for the survivors 

of decedents who died between October 7, 2001, and May 11, 2005, and at the time of death 

were not eligible for the additional death gratuity for service in combat operations or zones. 

PL 109-163 also authorizes the payment of an allowance--by the Secretary of the appropriate 

branch of service-- to service members serving in OEF/OIF in an amount equal to the premium 

for the first $150,00 of SGLI coverage; if the member has elected to be insured for less than 

$150,000 of SGLI, then the amount of the allowance will equal the amount of his/her premium 

deduction for SGLI coverage. 

. 

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CHAPTER 2. TERMINATION OF INSURANCE 

2.01 TERMINATION OF INSURANCE 

a. Full-time SGLI coverage for members on active duty or active duty for training and 

members of the Ready Reserve will terminate: 

(1) The 120th day after separation or release from duty, or separation or release from 

assignment to a unit or position of the Ready Reserve; 

(2) For members who are totally disabled on the date of separation or release, at the end 

of the last day of one year following separation or release or at the end of the day on which the 

insured ceases to be totally disabled, whichever is earlier, but in no event earlier than 120 days 

following separation or release from such duty; 

(3) At the end of the 31st day of a continuous period of: 

(a) Absence without leave; 

(b) Confinement by military authorities under a court-martial sentence involving total 

forfeiture of pay and allowances; or 

(c) Confinement by civilian authorities under sentence adjudged by a civilian court. Note: 

Any insurance terminated as the result of the absence or confinement, together with any 

beneficiary designation in effect at the time the insurance was terminated, will be automatically 

restored as of the date the member returns to duty with pay. (See chapter 4.) 

(4) The last day of the month in which the member files with the uniformed service, 

written notice of an election not to be insured. The member may become insured again upon 

written request through the uniformed service as provided in paragraph 

4.02. 

b. Part-time coverage terminates as follows: 

(1) Part-time coverage is in effect only on the days of active duty or active duty for 

training, and the hours of inactive duty training, including period of travel to and from duty. A 

temporary termination of coverage occurs at the end of each such period of duty, including travel 

time, and coverage is resumed at the commencement of the next period of covered duty or 

travel. 

(2) When part-time coverage is extended for 120 days as the result of a disability, the 

extended coverage terminates at the end of the 120th day following the Reservist active or 

inactive period during which the disability was incurred or aggravated. 

(3) Unless extended for 120 days because of disability as referred to above, eligibility for 

part-time coverage terminates at the end of the last day of the member’s obligation to perform 

such duty. 

(4) If a member files with the uniformed service a written notice of an election not to be 

insured, coverage terminates on the last day of the period of active duty or active duty for 

training, or at the end of the period of inactive duty training, including travel time while returning 

from such duty during which the election is filed. If the election is filed with a member’s 

uniformed service other than during a period of active duty, active duty for training, or inactive 

duty the coverage is terminated immediately. 

 

c. Full-time and part-time coverage terminates: 

(1) At the end of the day before rights to the insurance are forfeited as described in 

paragraph 1.10; or 

(2) At the end of the day before the termination of the group policy. NOTE: See paragraph 

1.08 to determine when elections, designations, and periods of duty or obligations to perform 

duty are continuous and when not continuous. 

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CHAPTER 3. REDUCTION OR CANCELLATION OF 

INSURANCE 

3.01 FULL-TIME INSURANCE 

a. Members reporting for duty in one of the uniformed services who do not want to be 

insured or who prefer less than $400,000 maximum coverage must complete and file a form 

SGLV 8286, Servicemembers’ Group Life Insurance Election and Certificate, with their uniformed 

service. (See appendix A) 

b. Insured members who desire a lesser amount of insurance coverage or no insurance 

must request a change by completing a new form SGLV 8286 and filing it with the uniformed 

service. Requests for reduced coverage or no coverage made prior to any legislated increase in 

coverage have no effect under the new law. 

c. A reduction or cancellation of insurance coverage is effective at midnight of the last day 

of the month in which the form is received by the uniformed service. 

d. Whenever a member re-enters active duty, the member is covered for the full amount 

of insurance and any prior waiver or reduction of insurance coverage does not apply. 

e. If, on the first day of duty, a member elects not to be insured or elects less than the 

maximum coverage, that election is effective immediately. If the election is made after the first 

day of duty, the election is effective at midnight of the last day of the month in which the form is 

received by the uniformed service. 

f. If a terminally-ill member requests and receives an Accelerated Death Benefit, the face 

value of the member’s insurance is reduced by the amount of the Accelerated Benefit paid to the 

member. The reduction is effective upon the date on which the member cashes or deposits the 

Accelerated Death payment. 

3.02 PART-TIME COVERAGE 

A member eligible for part-time coverage may elect not to be covered or request a reduced 

amount of coverage over his or her written signature. Form SGLV 8286 should be used for this 

purpose. When the form is complete, it should be filed with the appropriate uniformed service. 

The election or reduction will be effective as follows: 

(a) At the end of the last day of the period of duty then being performed, if the member is 

on active duty or active duty for training when the waiver or reduction is filed; 

(b) At the end of the period of inactive duty training then being performed, if the member 

is on inactive duty training when the waiver or reduction is filed; or 

(c) On the date the waiver or reduction is received by the uniformed service, if the 

member is not on active duty, active duty for training or inactive duty training on the date the 

waiver or reduction is filed. 

3.03 ACTION BY UNIFORMED SERVICE 

a. Authorized representatives of the uniformed services must sign and date, in 

the appropriate blocks, properly completed forms SGLV 8286 when received. The date 

the form is received should be accurately recorded as it determines the reduction or 

cancellation date of the insurance. 

b. The completed form SGLV 8286 serves as the basis for payroll deductions or 

authorizing collections in a reduced amount or none at all. 

c. The authorized representatives will distribute various copies of the form SGLV 8286 

according to the instructions provided on the form. Note: Do not send the completed form to any 

VA office or the OSGLI. See instructions attached to form SGLV 8286. 

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CHAPTER 4. RESTORATION AND REQUEST FOR COVERAGE 

4.01 AUTOMATIC RESTORATION 

a. Maximum coverage, previously declined or reduced, is automatically restored without 

evidence of good health when a member re-enters on duty (in the same or another uniformed 

service). 

b. The member’s insurance coverage and beneficiary designation are automatically 

restored as of the date the member is restored to duty with pay, if coverage was terminated 

because of: 

(1) Absence without leave; 

(2) Confinement by civil authorities under a sentence adjudged by a civilian court; or 

(3) Confinement by military authorities under a court-martial sentence involving total 

forfeiture of pay and allowances. 

4.02 REQUEST FOR INSURANCE 

a. If a member elects to cancel or reduce SGLI coverage and later wants to obtain or 

increase his or her SGLI coverage, a written request must be made through that member’s 

uniformed service. Application should be made on form SGLV 8285, Request for Insurance, in 

accordance with instructions attached to the form. (See appendix A) 

b. The form SGLV 8285 should be completed and signed by the member in the presence of 

an authorized representative of his or her uniformed service, who should then complete the 

certification below the member’s signature. In accordance with the instructions on the form, if all 

medical questions are answered "NO" the form should be filed in the members’ personnel file and 

action initiated to withhold premium payments effective the date the form is received by the 

branch of service. 

c. If any of the medical questions are answered "YES" the form should be sent to the 

OSGLI for review and decision. Premium deductions should not be made until the decision is 

received from the OSGLI. 

d. Both the member and the uniformed service concerned will be advised of the 

acceptance or rejection of the application by the OSGLI. 

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CHAPTER 5. ACCELERATED BENEFITS OPTION 

5.01 GENERAL 

a. The Accelerated Benefit Option permits terminally-ill policyholders under the SGLI and 

VGLI programs access to the death benefits of their policies before they die. The member may 

receive in a lump-sum payment a portion of the face value of the insurance. 

b. A member is eligible to receive an Accelerated Benefit if he or she has a valid written 

prognosis form a physician of 9 months or less to live. 

c. The amount of Accelerated Benefit available to a member is up to 50% of the face value 

of the member’s insurance coverage. If a member elects less than the maximum, the amount 

requested must be in increments of $5,000. The Accelerated Benefit paid to the member will be 

the amount requested, minus an interest deduction, which is the amount OSGLI actuarially 

determines to be the amount of interest lost due to early payment. 

d. The portion of the face value of insurance which is not paid in a lump sum as an 

accelerated benefit remains payable to the member’s designated beneficiary(ies) upon his or her 

death. Monthly deductions for SGLI and premiums for VGLI shall be reduced in a manner 

consistent with the percentage reduction in the face value of the insurance as a result of payment 

of the Accelerated Benefit. 

e. Members insured under the SGLI program who elect an Accelerated Benefit and who 

thereafter convert their SGLI coverage to VGLI are eligible only for a reduced amount of VGLI 

coverage based on the amount of the Accelerated Benefit they received. 

f. The amount of the Accelerated Benefit received by the servicemember or veteran shall 

not be considered income or resources for purposes of determining eligibility for or the amount of 

benefits under any Federal or federally-assisted program or for any other purpose. 

5.02 REQUEST FOR ACCELERATED BENEFITS 

a. Only the insured member may apply for an Accelerated Benefit. No one else can apply 

on the member’s behalf. 

b. The application form entitled “Claim for Accelerated Benefits” is available by request 

by writing the Office of Servicemembers’ Group Life Insurance, 290 W Mt. Pleasant Ave, 

Livingston, New Jersey 07039 or calling the office toll-free at 1-800-419-1473. The 

application is also available for downloading from the Internet at www.va.insurance.gov.

c. The application contains one part to be completed by the insured and a second part to 

be completed by the insured’s physician. In addition, the branch of service for active duty 

servicemembers must complete part of the form. The member must submit the completed 

application form to the Office of Servicemembers’ Group Life Insurance, 290 W Mt. 

Pleasant Ave, Livingston, New Jersey 07039. 

5.03 EFFECTIVE DATE 

a. The election to receive the Accelerated Benefit becomes effective at the time the 

member cashes or deposits the Accelerated Benefit. 

b. A member may cancel his or her request for benefits prior to cashing or depositing the 

Accelerated Benefit by informing OSGLI in writing of the request to cancel and by returning the 

check if the member has received it. If a member wants to change the amount of benefits 

requested or decides to reapply after canceling the request, he or she may file another 

application. 

c. If a member dies prior to cashing an Accelerated Benefit payment, the payment must 

be returned to OSGLI. 

d. Once an election becomes effective (by cashing or depositing the Accelerated Benefit 

payment), it can not be revoked. A member is not eligible for additional Accelerated Benefits. 

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CHAPTER 6. BENEFICIARIES 

6.01 DESIGNATIONS OF BENEFICIARY (IES) - GENERAL 

a. Any insured under SGLI may designate as principal beneficiary or contingent beneficiary any 

person, firm, corporation or legal entity (including the insured’s estate), individually or as a 

trustee. 

6.02 PREPARATION OF SGLV 8286 

a. Members covered under SGLI should complete form SGLV 8286 whenever they make a 

beneficiary designation or change a previous designation. 

b. The following are guidelines to be used in the preparation of the form: 

(1) Members should be encouraged to name a specific beneficiary. 

(2) If a member does not want to designate a specific beneficiary but prefers the proceeds 

to be paid in the order of precedence, the member should enter "By Law" in the appropriate 

space on the form. 

(3) When designating a married woman as beneficiary, her own first and middle names, 

and her husband’s last name should be shown. 

(4) If a member designates more than one beneficiary, the member should specify in 

fractions, percentages, or monetary amounts the share to be paid to each; otherwise, they will 

share equally in the proceeds. A member may also designate a contingent beneficiary on form 

SGLV 8286. In making such a designation, the member must clearly identify each beneficiary as 

the principal or contingent, with the principal beneficiary always listed first. NOTE: A contingent 

beneficiary is a person or persons designated to receive the insurance proceeds if the principal 

beneficiaries die before the insured dies. 

c. When completed and dated, the form SGLV 8286 must be submitted to the member’s 

uniformed service because a beneficiary designation is not effective until it is received by the 

uniformed service. The uniformed service should immediately date and certify it as received. It 

should promptly be placed in the member’s personnel file. Only the latest beneficiary designation 

in the member’s personnel file will be considered valid. 

d. SGLI and VGLI are federal programs and operate under federal law. Under 

federal law, the insured has the absolute right to name and change the beneficiary at any 

time. State divorce decrees, separation agreements or other state or municipal court 

documents are not binding on the determination of a beneficiary and cannot effectively 

change an insured’s beneficiary designation. NOTE: Do not forward SGLV 8286 to any VA 

office or the OSGLI. 

6.03 UNCLEAR OR UNUSUAL BENEFICIARY DESIGNATIONS 

a. There are many instances when the member should clearly designate a specific 

beneficiary or beneficiaries to ensure that the proceeds are distributed to the persons or persons 

whom the insured intended to be the beneficiary(ies). Some examples are: 

(1) When a member has a parent who has remarried but both natural parents are living; 

or 

(2) When a member is divorced and remarried, but has children living with the first 

spouse; or 

(3) When a member has no immediate next of kin and wants a distant relative or 

friend to receive the proceeds. 

b. When a member is likely to be survived by dependents or parents and designates some 

other person or entity as beneficiary, a responsible representative of the uniformed service 

should advise the member to submit a signed memorandum indicating that the member 

understands the designation is unusual and that the person named by the member as the 

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beneficiary is the person he or she intends to receive the proceeds. 

c. Whenever there is any question or doubt as to a beneficiary, the uniformed service 

should encourage the member to complete form SGLV 8286, Servicemembers’ Group Life 

Insurance Election and Certificate, in order to clearly identify the person(s) to whom the proceeds 

of the insurance should be paid. 

d. While the selection of a beneficiary is a matter of free election for the insured, and the 

insured should never be forced to designate otherwise, under Public Law 109-13 if a 

servicemember is married the Department of Defense must provide written notification to their 

spouse of a change of designation. Even with this provision the member should choose to name 

any beneficiary he/she desires. However, when dependents or parents are disregarded in 

designating beneficiaries, it is desirable that the voluntary nature of the designation be a matter 

of record. 

6.04 DESIGNATIONS OF BENEFICIARIES WHO ARE MINORS 

a. The law allows payment of SGLI to be made directly to a minor surviving spouse. 

b. If the beneficiary is a child, the insurance proceeds will be paid to the child’s guardian. 

c. The appointment of a guardian is often time consuming and costly and, for that reason, 

may delay the payment of proceeds. The amount of the proceeds can be materially reduced by 

the payment of court costs, attorney fees and expenses incurred by the guardian. To avoid such 

complications and expense, a member may choose to consult with an attorney to designate a 

pre-appointed trustee of the minor beneficiary. 

6.05 DESIGNATION CHANGE OR CANCELLATION 

a. An insured member may, at any time, change or cancel a previous designation. Consent 

of the beneficiary is not required for a member to change or cancel any prior designation. 

b. The following rules apply when the law governing SGLI is amended to increase the 

amount of insurance coverage. An insured should submit a new beneficiary designation. If an 

insured was covered for the maximum amount under a prior law, the prior beneficiary 

designation and installment payment option filed by the member will be effective until changed 

and the proceeds will be distributed in the same proportionate amount as the portion designated 

for such beneficiary under the prior law. 

c. A beneficiary designation will remain in effect until properly changed by the member or 

automatically canceled. (See paragraph 6.07) Termination of one period of duty and reentry into 

another period of duty will not automatically cancel the designation unless there is a break in 

service. (See paragraph 1.02i for definition of break in service.) 

d. A designation change or cancellation will take effect only if it is in writing, signed by the 

insured and received prior to the date of death of the insured by the uniformed service. 

e. If such designation change or cancellation is made during a period of extended 

coverage following separation or release, such change will take effect only if received by the 

OSGLI prior to the insured’s death. 

6.06 BENEFICIARY (IES) NOT DESIGNATED 

a. Members should be encouraged to name a specific beneficiary. If a member does not 

designate a beneficiary, the insurance will automatically be paid in the following order of 

precedence: 

(1) The surviving spouse of the member; if none, 

(2) The child or children of the member, in equal shares, with the share of any deceased 

children to be distributed among the descendants of that child; if none, 

(3) The parents in equal shares or all to the surviving parent; if none, 

(4) A duly appointed executor or administrator of the insured’s estate; if none, 

(5) Other next of kin. NOTE: An insured’s biological parents are not always who the 

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individual intended to receive the proceeds, and in cases such as abandonment, they are not 

recognized as legal parents. Claim disputes involving the recognition of "rightful" parents can be 

avoided by discouraging the use of "By Law" designations and listing the parents by name. 

6.07 AUTOMATIC TERMINATION OF BENEFICIARY DESIGNATION 

a. A designation of beneficiary made by a member insured under SGLI for full-time or part-time 

coverage will automatically be canceled under the following rules: 

(1) When the insurance terminates following separation or release from all duty or the 

obligation to perform duty in a uniformed service; 

(2) When the member re-enters on duty or assumes an obligation to perform duty in 

another uniformed service; or 

(3) When the member re-enters on duty in the same uniformed service more than one 

calendar day after separation or release from all duty in that uniformed service. NOTE: If a prior 

designation is terminated for any of the reasons shown above and the member wants the 

insurance proceeds paid to a designated beneficiary, a completed new form SGLV 8286 must be 

submitted to the member’s uniformed service. 

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CHAPTER 7. ELECTION OF METHOD FOR PAYMENT OF 

PROCEEDS 

7.01 GENERAL 

a. An insured member may elect that the proceeds of SGLI be paid to the beneficiary in a lumpsum payment or in 36 equal monthly installments. If the insured member elects a lump-sum 

payment, the beneficiary(ies) will receive the funds through an Alliance Account and will receive a 

checkbook for an interest bearing account from which they can write a check for the amount of 

$250 or more. 

b. An insured may change the method of settlement at any time without the consent of 

the beneficiary. 

c. If the insured elects a lump-sum payment or makes no election, the beneficiary may 

choose either the lump-sum settlement or payment in 36 monthly installments. 

d. If the insured elects 36 monthly installments, the beneficiary may not elect a lump sum 

settlement. 

7.02 ELECTION OR CHANGE OF METHOD OF PAYMENT 

a. Insured members should use form SGLV 8286, Servicemembers’ Group Life Insurance 

Election and Certificate, to elect a method of payment or to change a previous election. The 

member should indicate the option selected in the appropriate column on the form; i.e., either 36 

months or lump sum. NOTE: If the election is for a reduced amount of insurance, the member 

should complete the entire form. 

b. The form SGLV 8286 when completed, signed and dated should be submitted to the 

uniformed service concerned. 

c. If the election or change is being made during the period the insurance remains in force 

following separation or release from duty, the form should be sent to the OSGLI. 

7.03 EFFECTIVE DATE OF ELECTION OR CHANGE 

An election or change is effective the date the form SGLV 8286 is received in the uniformed 

service concerned or the date such a change is received at the OSGLI, whichever is applicable. 

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CHAPTER 8. DEATH CLAIMS 

8.01 GENERAL 

a. All claims for death benefits for any member who dies while insured under SGLI must 

be submitted to the OSGLI, 290 W Mt. Pleasant Ave, Livingston, NJ 07039. 

b. Upon receipt by the OSGLI of proof that an insured member has died, OSGLI will pay to 

the proper beneficiary the amount for which the member is insured under the group policy. The 

form SGLV 8283, Claim for Death Benefits (see Appendix A) is provided for the purpose of 

claiming the proceeds. Payment will be made to the member’s designated beneficiary surviving at 

the time of the member’s death; or if no beneficiary was designated, the proceeds will be paid in 

order of precedence as provided by law. (See paragraph 6.06 for the order of precedence.) 

c. Under no circumstances can more than $400,000 group life insurance (plus interest) be 

paid in settlement of a death claim. This is emphasized for the situation when a member reenters 

on active duty, active duty for training or inactive duty training during a period of coverage 

following an earlier period of such duty. 

d. Any determination as to eligibility of a claimant as beneficiary or any request for 

evidence required in support of a claim will be made by the OSGLI. This office must also receive 

proof that a claimant is entitled to payment. If, for example, the payment in the order of 

precedence is made to parents and one parent is deceased, a certified copy of the death 

certificate for the deceased parent should be furnished. NOTE: If form SGLV 8283 was not 

furnished to the beneficiary, one may be obtained from the OSGLI, or any VA office. If the 

beneficiary has no tangible evidence of SGLI coverage, see paragraph 8.05. 

8.02 PROOF OF DEATH AND VERIFICATION OF INSURANCE IN FORCE 

a. When a claim is filed for insurance, proof of death and verification of the amount of 

insurance in force will be established by one of the following types of evidence: 

(1) If death of a member occurs while on active duty, active duty for training, inactive 

duty training or in an active duty status as a Ready Reservist, DD Form 1300, Report of Casualty, 

or its equivalent, will be issued by the deceased member’s uniformed service and sent directly to 

the OSGLI. The beneficiary need not supply proof of death. 

(2) If a member insured under full-time coverage dies within the period the insurance 

remains in force following termination of duty, a certified copy of the death certificate and a copy 

of DD 214, Certificate of Release or Discharge from Active Duty, or Form NGB 22,Certificate of 

Release from the National Guard must accompany the form SGLV 8283 and be submitted to the 

OSGLI. 

(3) If an insured under part-time coverage dies within the 120-day period following a 

period of duty during which a disability was incurred or aggravated, a certified copy of the death 

certificate and a statement from the attending physician concerning the disability and period of 

duty must be sent with the form SGLV 8283 to the OSGLI. 

8.03 PREPARATION OF SGLV 8283 

a. In filing a claim for the insurance proceeds, form SGLV 8283 must be completed by the 

designated beneficiary or, in the absence of such designation, by the primary beneficiary as listed 

in the order of precedence. (See paragraph 6.06 for the order of precedence.) 

b. Information (printed or typed) should be furnished on the form SGLV 8283 as explained 

on the form. All claimants must complete items 1 through 4, and numbers 5 and 6, if known. 

(1) A claimant who is the designated beneficiary need complete only items 7, 8, 9 and 10 

of part I and all of part IV. 

(2) If a spouse was not designated as beneficiary and no other beneficiary was 

designated, the surviving spouse should complete all items of parts I and IV. 

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(3) Other claimants should complete items 7, 8, 9, and 10 of part I and all of parts II, III 

and IV. 

c. It is essential that all requested information be furnished. The omission of answers or 

incomplete answers or the failure to furnish the necessary or requested information may delay 

settlement of the claim. NOTE: VA has no authority to seek the appointment of a fiduciary 

(trustee or trusteeship) for SGLI purposes. It is important to remember that any settlement of 

claims is strictly a matter between the person filing the claim and the OSGLI. 

8.04 CONTACTING THE BENEFICIARY WHEN DEATH OCCURS 

a. When an insured member dies, the uniformed service will examine the member’s 

personnel file to learn if a beneficiary for SGLI has been designated by the insured. If no 

designation was made, the uniformed service representative should carefully review the file to 

learn the next of kin or survivor as shown in the official record and determine if such person 

would qualify as the eligible beneficiary according to the order of precedence. 

b. If the insured has not designated a beneficiary and the person(s) listed in the official 

records is for some obvious reason not eligible, or there is some doubt concerning that person’s 

eligibility as beneficiary or next of kin, the uniformed service should: 

(1) Complete the DD Form 1300 or an equivalent form and make the notation that no 

form SGLV 8283 was furnished. 

(2) If there is no record of form SGLV 8286, list the name and address of the next of kin 

as shown on DD Form 1300, or equivalent from, and forward the report to the OSGLI. When 

there is some uncertainty or unusual circumstances involved, a statement of the pertinent facts 

should be attached. 

8.05 WHEN SURVIVOR HAS NO PROOF OF SGLI COVERAGE 

a. Occasionally a beneficiary or survivor will ask a uniformed service or a VA office for 

assistance in filing a death claim and will not have a DD Form 214 as tangible evidence of 

insurance coverage. 

b. If the uniformed service is asked to assist, the service should inform the OSGLI of the 

amount of insurance and the last named beneficiary or next of kin of record including any other 

elections by the insured. If the insurance is in force and there is no doubt regarding the 

beneficiary, form SGLV 8283 should be provided to the beneficiary for completion and submission 

to the OSGLI. (See paragraph 7.04b if the beneficiary cannot be determined.) 

c. When VA is asked to assist in filing a death claim and the survivor has no evidence of 

the group insurance, VA will assist the survivor in completing the form SGLV 8283. The claim 

form and copy of the death certificate will be forwarded to the OSGLI by VA with a letter 

explaining the circumstances involved, including any other pertinent facts supplied by the 

survivor, or from VA files which will be helpful to the OSGLI in verifying the deceased member’s 

insurance. 

8.06 PAYMENT OF PROCEEDS 

a. If a principal beneficiary, otherwise entitled to payment of the insurance proceeds, does 

not make a claim for the proceeds within 1 year following the death of the insured, or if payment 

to such person within that period is prohibited by Federal law or regulation, payment may be 

made to the contingent beneficiary or in the order of precedence as set forth in paragraph 5.06 

as if the person had died before the insured. Any such payment shall bar recovery by any other 

person. 

b. If, within 2 years after the death of the member, no claim has been made by any 

person entitled, and neither VA nor the OSGLI has received any notice that such a claim will be 

made, payment may be made to any claimant that may be equitably entitled to the proceeds as 

determined by VA; and such payment will be a bar to recovery by another person. 

c. If the proceeds are to be paid in a lump-sum payment, the beneficiary will receive the 

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insurance proceeds through an Alliance Account. The Alliance Account is an interest bearing 

checking account from which the beneficiary can write a check for any amount of $250 or more. 

The amount of interest earned is at a competitive rate and is guaranteed by Prudential. Through 

the Alliance Account, the beneficiary has immediate access to any or all of their money. An 

Alliance Account is not available for payments less than $10,000, payments to individuals 

residing outside the United States and its territories and certain other payments. They will be 

paid in a single sum check. Terminally ill employees who receive a portion of their insurance 

benefits under the Living Benefit Option also use the Alliance Account. 

d. If the proceeds are to be paid in installments, the first installment will be payable as of 

the date of death. The amount of each installment will be computed so as to include interest on 

the unpaid balance at the then effective rate. 

e. If the insured designated that proceeds are to be paid in 36 equal installments to the 

principal beneficiary and that beneficiary dies before the full 36 installments have been paid, the 

remaining installments will be paid to the contingent beneficiary as the installments become due. 

If the contingent beneficiary dies before receiving all installments, or if there is no contingent 

beneficiary and the principal beneficiary dies before receiving all the installments, the unpaid 

installments, less the interest which would have accrued, will be paid in one sum to the estate of 

the beneficiary last receiving payment (principal or contingent). 

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CHAPTER 9. BENEFICIARY FINANCIAL COUNSELING 

SERVICES (BFCS) 

a. All beneficiaries of SGLI, TSGLI or VGLI proceeds are eligible to receive Beneficiary Financial 

Counseling Services provided through an independent professional services firm. Under this 

benefit, beneficiaries receive free, personalized, objective financial advice if they choose to take 

advantage of the service. 

b. The beneficiary will receive a detailed personalized financial plan and toll-free access to 

additional financial counseling for two years, as well as additional financial counseling resources. 

c. Beneficiary Financial Counseling is provided at no extra cost to the insured (i.e. premiums will 

not increase) or the beneficiary. In addition, the independent firm will not sell any products to the 

beneficiary and counselors receive no commission for their services. 

d. Upon the death or traumatic injury of the insured, the Office of Servicemembers' Group Life 

Insurance will provide information to the beneficiary/insured on how to contact the firm to take 

advantage of this benefit. 

e. Follow this link for more information on Beneficiary Financial Counseling Services. 

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CHAPTER 10. FAMILY COVERAGE 

10.01. GENERAL 

a. 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. 

b. FSGLI coverage is provided under a group life insurance policy purchased from a 

commercial life insurance company by VA. FSGLI is administered by the OSGLI (see paragraph 

1.01b for address) and is supervised by VA. 

c. FSGLI provides life insurance protection only. It does not provide disability or other 

supplementary benefits. In addition, FSGLI has no cash, loan, paid-up or extended insurance 

values and does not pay dividends. 

d. Servicemembers with FSGLI coverage have access to up to 50% of the face value of the 

spousal coverage through the Accelerated Benefits Option (ABO). In order to qualify for the ABO, 

the spouse must have a medical prognosis of life expectancy of nine months or less. Only the 

servicemember can apply for accelerated benefits and the benefit will be paid only to the 

servicemember 

e. If an insured member declines Family coverage for a spouse or elects an amount less 

than the maximum amount available, the member may later apply for coverage or an increase in 

coverage up to the $100,000 maximum, or the amount of SGLI held by the insured member, 

whichever is less. Proof of spouse insurability (proof of good health) will be required in these 

cases 

f. FSGLI is a servicemembers’ benefit, and the member is the beneficiary of the policy. 

g. A servicemember married to another servicemember can be insured under both the 

FSGLI and SGLI programs at the same time, for a maximum coverage amount of $500,000. 

10.02 PERSONS ELIGIBLE TO BE INSURED 

a. Persons eligible to be insured in the FSGLI program are the current spouses and the 

dependent children of servicemembers covered under the SGLI program on a full time basis as 

defined in paragraph 1.05a(1) and (2). 

b. Dependent children are defined as follows: 

(1) All unmarried natural born children and legally adopted children under the age of 

18. 

(2) All unmarried stepchildren under the age of 18 who are members of the 

servicemembers household. 

(3) Any unmarried dependent child who, after attaining the age of 18 and until completion 

of education or training (but not after attaining the age of 23), ispursuing a course of instruction 

at an approved educational institution. 

(4) Any unmarried dependent child who has been declared permanently incapable of selfsupport before the age of 18. 

10.03 EFFECTIVE DATE OF INSURANCE 

a. Spousal coverage will be effective as follows: 

b. Dependent child coverage will be effective as follows: 

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For members who... 

Spousal coverage will be effective... 

are married on the date of 

entry on duty (active or Ready 

Reserve), 

the date of entry on duty. 

marry while on duty (active or 

Ready Reserve), 

the date of the marriage. 

previously elected to have 

their spouse insured for less 

than the maximum amount, 

the date an application electing to increase FSGLI 

spousal coverage is received by the member’s 

branch of service, whether or not the application 

was forwarded to OSGLI for review. However 

premium deductions will not begin until OSGLI 

has approved the application. 

has applied and been 

approved for SGLI coverage 

after previously declining 

coverage, 

the date an application electing FSGLI spousal 

coverage is received by the members branch of 

service, provided the spouse meets good health 

requirements; OR if the application was forwarded 

to OSGLI for review, the date the application is 

approved by OSGLI. 

has applied and been 

approved for an increase in 

SGLI coverage that entitles 

them to an increase in FSGLI 

coverage, 

the date an application electing to increase FSGLI 

spousal coverage is received by the members 

branch of service, provided the spouse meets 

good health requirements; OR if the application 

was forwarded to OSGLI for review, the date the 

application is approved by OSGLI. 

For children who... Coverage will be effective... 

are dependents of the member when 

the member enters on duty (active or 

Ready Reserve), 

the date of entry on duty. 

are born or legally adopted while the 

member is on duty (active or Ready 

Reserve), 

the date of birth or date of adoption. 

Become stepchildren due to a 

marriage while the members in on 

duty (active or Ready Reserve) 

the date a stepchild begins living in the 

member’s household 

(1) If the member had previously declined SGLI coverage, dependent children are 

automatically insured on the date an application to elect SGLI coverage is received by 

the uniformed service, provided the member meets good health requirements. If the 

application is forwarded to OSGLI for review, dependent children are insured on the date 

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the application is received by the member’s branch of service. However, premium 

deductions will not begin until the application is approved by OSGLI. 

10.04 COST OF INSURANCE 

a. For all members entitled to SGLI coverage, the necessary amount will be deducted from 

the member’s service pay or otherwise collected from the member by the uniformed service. 

b. Coverage for dependent children is provided at no cost to the member. 

c. Spousal premiums are based on the age of the spouse and the amount of coverage. 

(See Appendix D for the current FSGLI Premium Rate Table.) Premiums will increase as the 

spouse reaches each successive age bracket. The increase will be effective the month of the 

spouse’s birthday. 

10.05 TERMINATION OF INSURANCE 

a. FSGLI coverage for both spouses and dependent children will terminate 120 days 

after termination of the member’s full-time SGLI coverage, as outlined in section 2.01a of this 

handbook. 

10.06 REDUCTION AND CANCELLATION OF INSURANCE 

a. Spousal Coverage- an insured servicemember may elect to reduce or cancel spousal 

coverage at any time. If the member elects to reduce the amount of spousal coverage, the 

reduced amount of coverage will remain in effect until coverage is cancelled or a request for an 

increase in coverage is made. Where spouse coverage is cancelled, it will terminate as follows: 

(1) 120 days after the date of an election made in writing by the member to terminate the 

coverage or; 

(2) the earliest of either: 

(a) 120 days after the date of the member’s death or; 

(b) 120 days after the date of termination of the insurance on the member’s life; or; 

(c) 120 days after the termination of the marriage. 

b. Dependent Child Coverage - Dependent child coverage may not be reduced for any 

reason while the servicemember is insured. Dependent child coverage automatically terminates 

when the insured member is no longer insured or when the dependent child no longer qualifies as 

a dependent under paragraph 10.02 above. Where dependent child coverage is terminated it will 

terminate as follows: 

The earliest of either: 

(1) 120 days after the date of the member’s death; 

(2) 120 days after the date of termination of the insurance on the member’s life; 

(3) 120 days after the termination of the dependent’s status as an insurable 

dependent of the member. 

10.07 REQUEST FOR COVERAGE 

a. If a member elects to cancel or reduce FSGLI spousal coverage and later wants to 

obtain or increase his or her FSGLI spousal coverage, the member must make a written request 

through that member’s uniformed service. The member should complete form SGLV 8285A, 

Request for Insurance, in accordance with instructions attached to the form. (See appendix A) 

b. Parts I and II of SGLV 8285A should be completed and signed by the member and the 

members spouse. The form should then be submitted to the members Commanding Officer, 

equivalent or designee, who should then complete the certification in Part III. In accordance with 

the instructions on the form, if all medical questions are answered "NO" the form should be filed 

in the members’ personnel file and action initiated to withhold premium payments effective the 

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date the form is received by the branch of service. 

c. If any of the medical questions are answered "YES" the form should be sent to the 

OSGLI for review and decision. Premium deductions should not be made until the decision is 

received from the OSGLI. 

d. Both the member and the uniformed service concerned will be advised of the 

acceptance or rejection of the application by the OSGLI. 

10.08 ACCELERATED BENEFITS OPTION 

a. The Accelerated Benefit Option permits a servicemember to receive up to 50% of the 

spousal SGLI coverage for a spouse who has been diagnosed by his/her physician as being 

terminally ill. Only the servicemember can apply for this benefit. 

b. Additional details regarding procedures for applying for this benefit, as well as general 

information, may be found in Chapter 5 of this handbook. 

10.09 CONVERSION 

a. A dependent spouse of a servicemember may convert his/her SGLI policy to a private 

life insurance company, under the same provisions as provided in section 10.05, when the policy 

is terminated. The decision to convert the policy is the dependent spouse’s and the policy may 

be converted to an individual policy of insurance, under the same conditions as conversion of a 

VGLI policy to an individual policy. Conversion takes place upon written application made to the 

participating company, as selected by the spouse and upon payment of the required premiums. 

A spouse may not convert the policy to a VGLI policy. Where the insurable dependent is a child, 

that policy may not be converted to another individual policy of insurance. 

10.10 CLAIMS 

a. General Information 

(1) All claims for death benefits for any spouse or dependent child who dies while insured 

under FSGLI must be submitted to the OSGLI, 290 W Mt. Pleasant Ave, Livingston, NJ 07039. 

(2) The casualty branch must certify the death of an insured spouse or dependent child 

using Form SGLV-8700. When the OSGLI receives the certification of death, OSGLI will pay to the 

member the amount for which the spouse or dependent child is insured under the group policy. 

The form SGLV 8283A, Claim for Death Benefits (see Appendix A) is provided for the purpose of 

claiming the proceeds. Payment will be made to the member at the time of the member’s death; 

or if the member and the spouse or dependent child die simultaneously, the proceeds will be paid 

in order of precedence as provided by law. (See paragraph 6.06 for the order of precedence.) 

(3) Under no circumstances can more than $100,000 FSGLI (plus interest) be paid in 

settlement of a death claim. 

(4) In the event the member and the dependent or spouse die simultaneously, any 

determination as to eligibility of a claimant as beneficiary or any request for evidence required in 

support of a claim will be made by the OSGLI. This office must also receive proof that a claimant 

is entitled to payment. If, for example, the payment in the order of precedence is made to 

parents and one parent is deceased, a certified copy of the death certificate for the deceased 

parent should be furnished. 

NOTE: If form SGLV 8283A was not furnished to the beneficiary, one may be obtained from 

the OSGLI, or any VA office. The form may also be downloaded from that VA insurance 

website at www.insurance.va.gov/forms.htm. 

b. Payment of Proceeds 

(1) Spousal SGLI Insurance Proceeds 

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a) If the proceeds are to be paid in a lump-sum payment, the member will receive the 

insurance proceeds through an Alliance Account. The Alliance Account is an interest 

bearing checking account from which the member can write a check for any amount of 

$250 or more. The amount of interest earned is at a competitive rate and is guaranteed 

by Prudential. Through the Alliance Account, the member has immediate access to any or 

all of their money. 

b) If the proceeds are to be paid in installments, the first installment will be payable as of 

the date of death. The amount of each installment will be computed so as to include 

interest on the unpaid balance at the then effective rate. 

(2) Dependent Child SGLI Insurance Proceeds 

a) the proceeds will be paid in a lump-sum payment. The member will receive the 

insurance proceeds through an Alliance Account. The Alliance Account is an interest 

bearing checking account from which the member can write a check for any amount of 

$250 or more. The amount of interest earned is at a competitive rate and is 

guaranteed by Prudential. Through the Alliance Account, the member has immediate 

access to any or all of their money. 

10.11 LEGISLATIVE HISTORY 

a. Public Law 107-14, effective November 1, 2001, established Family SGLI coverage for 

members of the uniformed services who are eligible for full-time SGLI coverage. This law allows 

for elected SGLI insurance coverage of the member’s spouse for up to $100,000, in $10,000 

increments, and automatic coverage of the member’s dependent children for $10,000 for the 

time that they have full-time SGLI coverage. It also allows the dependent spouse the opportunity 

to convert SGLI Family coverage to a private life insurance policy. 

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CHAPTER 11. TRAUMATIC INJURY PROTECTION (TSGLI) 

11.01 GENERAL 

a. Traumatic injury protection (TSGLI) under Servicemembers’ Group Life Insurance (TSGLI) 

provides coverage to any service member insured under SGLI who sustains a serious traumatic 

injury that results in certain prescribed losses. TSGLI provides between $25,000 and $100,000 

of coverage depending on the loss incurred. 

b. TSGLI coverage is automatic for those service members insured under SGLI. The member 

cannot decline TSGLI coverage unless he or she also declines SGLI. 

c. TSGLI coverage is a “rider” provided under a group life insurance policy purchased from a 

commercial life insurance company by VA. TSGLI is administered by OSGLI (see paragraph 

1.01b for address) and is supervised by VA. 

d. TSGLI has no cash, loan, paid-up or extended insurance values and does not pay dividends. 

e. TSGLI is the service member’s benefit and the member is the automatic beneficiary of the 

policy. 

f. TSGLI coverage is not payable to: 

• Spouses and children covered under FSGLI 

• Veterans covered by SGLI:

a. During the 120-day post-separation period; 

b. During the 1-year SGLI disability extension; 

• Veterans covered under VGLI

 

g. Certain injuries and conditions are excluded from coverage. See appendix E for more 

information on these exclusions. 

11.02 PERSONS ELIGIBLE TO BE INSURED 

a. Effective December 1, 2005, every member who has SGLI (See section 1.03, Persons 

Eligible To Be Insured) will also have TSGLI. This includes active duty members, 

reservists, funeral honors duty and one-day muster duty. 

b. Also eligible is any service member who experienced a traumatic injury between October 

7, 2001 through and including November 30, 2005 if the member sustained a loss as a 

direct result of injuries incurred: 

 

• while deployed outside the United States on orders in support of Operation Enduring 

Freedom or Operation Iraqi Freedom, OR 

• while serving in a geographic location that qualified the service member for the 

Combat Zone Tax Exclusion under 26 U.S.C. 211. 

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11.03 EFFECTIVE DATE OF INSURANCE 

a. With the exception of those eligible for retroactive coverage, the earliest effective date of 

TSGLI coverage is December 1, 2005. 

b. For those individuals insured under SGLI prior to December 1, the effective date of TSGLI 

coverage is December 1, as long as the member’s SGLI remains in effect on that date. 

c. For those members who enter service after December 1, 2005 or elect SGLI coverage 

after December 1, 2005, the effective date of coverage is the date the member enters 

service or the date the member elects coverage, respectively.

d. For members who previously declined SGLI coverage and therefore do not have TSGLI, 

the effective date of TSGLI coverage is the date an application electing SGLI coverage is 

received by the member's branch of service. If it is necessary for such application to be 

forwarded to the OSGLI for review, the effective date of coverage will be the date the 

application for SGLI coverage is approved. 

11.04 COST OF INSURANCE 

a. The cost of TSGLI is shared by the member and the Government. The member pays the 

premium, which is intended to cover only the civilian incidence of such injuries, and the 

Government pays the cost of all traumatic injury claims in excess of the level of traumatic injury 

claims that would result from civilian experience. 

b. For all members entitled to TSGLI coverage, the necessary amount will be deducted from the 

member’s service pay or otherwise collected from the member by the uniformed service. 

c. The table below outlines the rates for various categories of SGLI coverage. 

Duty Status Premium 

Active duty members $1.00 per month 

Reservists w/full time coverage $1.00 per month 

Reservists w/part time coverage $1.00 per year 

Funeral honors duty no charge 

1 day muster duty no charge 

Note: Premiums effective December 1, 2005. These rates are determined by VA and are subject to change 

based on claims experience. 

d. The law, Title 38 of the United States Code, section 1969, requires the uniformed services to 

remit amounts equal to the deduction which should have been made for members who are 

provided full-time or part-time coverage and who are not receiving pay. DoD is responsible for 

seeking reimbursement from the member for the cost of coverage provided to those not receiving 

pay. 

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11.05 TERMINATION OF INSURANCE 

a. TSGLI coverage terminates at midnight of the last day of the month that the member 

is no longer covered under SGLI or at midnight of the date of the member’s separation 

from service, whichever occurs first. 

b. TSGLI coverage is not in effect during the 120-day post-separation period or during a 1-

year SGLI disability extension. 

c. TSGLI cannot be converted to Veterans’ Group Life Insurance or to commercial coverage. 

11.06 CLAIMS 

a. To file a claim, form GL 2005.261 must be completed in its entirety and submitted to 

OSGLI. The form consists of three parts: 

(1) The member or the member’s guardian or attorney-in-fact must complete the first part 

of the form to provide basic identifying information, select how they would like to receive 

payment, and authorize the release of medical information to the branch of service and 

OSGLI. 

(2) A medical professional must complete the second part of the form, indicating whether 

the member sustained a traumatic injury or injuries and a scheduled loss as a direct result 

of the injury or injuries that would make the member eligible for the TSGLI benefit. 

(3) The branch of service must complete the third part of the form to certify that the 

member is covered and that the injury qualifies the member for payment under TSGLI. All 

claims for traumatic injury benefits must then be submitted to OSGLI, 290 W Mt. Pleasant 

Ave, Livingston, NJ 07039. The form GL 2005.261,Traumatic Injury Protection Certification 

form (see Appendix A) is provided for the purpose of claiming the proceeds. 

b. When OSGLI receives the fully completed TSGLI certification form indicating that the 

member is entitled to payment, OSGLI will pay to the member, guardian, attorney-in-fact or 

beneficiary, if applicable, the amount that corresponds to the scheduled loss that results from 

the traumatic injury. 

c. If a member suffers more than one scheduled loss as a result of a single traumatic event, 

payment will be made for the scheduled loss with the highest benefit amount. 

 

d. In the case of multiple traumatic events occurring within a seven-day period, the member 

will receive the benefit under the schedule for the multiple losses up to $100,000, the 

maximum amount payable for a single traumatic event. 

e. If a member suffers more than one scheduled loss from separate traumatic events 

occurring more than seven full days apart, the scheduled losses will be considered separately 

and a benefit will be paid for each loss up to the maximum amount according to the schedule. 

NOTE: If form GL 2005.261 is not furnished to the member, one may be obtained from 

OSGLI or from the VA Insurance website at www.insurance.va.gov/sgliSite/forms/forms. 

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11.07 Payment of Proceeds 

(1) The member will receive the insurance proceeds through Electronic Funds Transfer 

(EFT) or an Alliance Account. The Alliance Account is an interest bearing checking account from 

which the member can write a check for any amount of $250 or more. The amount of interest 

earned is at a competitive rate and is guaranteed by Prudential. Through the Alliance Account, 

the member has immediate access to any or all of their money. 

(2) In the event the member is legally incapacitated, the member’s guardian or attorneyin-fact will be paid the benefit on behalf of the member. 

(3) In the event the member dies before receiving payment of the TSGLI benefit, the 

payment will be made to the member’s SGLI beneficiary via the Alliance Account. 

11.08 LEGISLATIVE HISTORY 

a. Public Law 109-13, signed into law May 11, 2005, established Traumatic SGLI coverage for 

members of the uniformed services who are insured by SGLI. This law provides automatic 

traumatic injury protection in an amount between $25,000 and $100,000 to service members 

insured through Servicemembers’ Group Life Insurance under section 1967(a)(1) of title 38. 

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CHAPTER 12. VETERANS' GROUP LIFE INSURANCE 

12.01. GENERAL 

a. Veterans’ Group Life Insurance (VGLI) is a program of post-separation insurance which 

provides for the conversion of SGLI to renewable term coverage. VGLI provides up to a maximum 

of $400,000 of insurance coverage. 

b. Persons insured in the VGLI program, like SGLI, are insured under the provisions of a 

group life insurance policy purchased from a commercial life insurance company by VA. The 

program is administered by the OSGLI (see paragraph 1.01b for address) and is supervised by 

VA. 

c. The group coverage does not contain any restriction on or require any additional 

premium for military service. It provides for life insurance but not disability or other 

supplementary benefits. VGLI has no cash, loan, paid-up or extended insurance values and does 

not pay dividends. 

d. At the end of each term period, the insured has the right to renew coverage for another 

period. A member may convert such insurance to an individual policy with any one of the 

participating companies at any time. 

e. VGLI is issued in $10,000 increments up to a maximum of $400,000, but not for more 

than the amount of SGLI the member had in force at the time of separation. If an individual 

declines VGLI or elects for an amount less than the amount of SGLI held while on duty, he or she 

may later apply for VGLI or for an increase in coverage up to the amount of SGLI held, without 

evidence of good health, if application is made to the OSGLI within 120 days of release from 

active duty. Application for insurance or an increase in the amount of coverage may also be made 

for up to one year from the end of the 120-day SGLI extension, however, evidence of good health 

may be required. 

f. Individuals who separate from active duty, re-enlist, and effect other changes in their 

duty status, will become eligible for both SGLI and VGLI coverage and in some cases will become 

insured under both programs. An individual can be insured under both programs at the same 

time, provided the coverage does not exceed $400,000, the maximum allowed under the law. 

Listed below are several situations where double coverage may occur and what the member must 

do to avoid it. 

When Double Coverage Occurs: 

(1)If a member currently insured under VGLI, reenters on active duty or active duty for 

training, he or she is automatically covered under SGLI. 

To Avoid Double Coverage The Member Can: 

(2) stop payment of VGLI premiums and elect to be covered under SGLI. These members 

are entitled to reapply for VGLI upon release or separation, provided their duty was performed 

under a call or order specifying a period of duty 31 days or longer. If the period of duty is less 

than 31 days, the member is not eligible to apply for a new VGLI period. However, the member 

can apply to have his or her VGLI reinstated as outlined in paragraph 11.11. 

 (3) elect to become insured again under SGLI upon entering a new period of duty may 

convert any or all of their VGLI to a commercial policy within 60 days after becoming insured 

under the SGLI program. If a person dies within the 60-day period and before converting, VGLI 

will be payable in an amount which, when added to the SGLI, does not exceed the maximum 

coverage allowed under the law. 

 

12.02 PERSONS ELIGIBLE TO BE INSURED 

a. Persons eligible to be insured in the VGLI program are: 

(1) SGLI insureds who are being released from active duty or active duty for training 

under a call or order to duty that does not specify a period of less than 31 days; 

(2) Members of the Ready Reserves insured under SGLI who are separated, retired, or 

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released from assignment. 

(3) Individuals who are assigned to the IRR of a branch of service or to the Inactive 

National Guard (ING). This includes members of the United States Public Health Service Inactive 

Reserve Corps (IRC). The individual must be able to provide orders showing that he or she is 

currently assigned to the IRR or ING; or 

(4) Members who have part-time SGLI and who, while performing duty, suffer an injury or 

disability which renders them uninsurable at standard premium rates. This includes travel directly 

to and from duty. NOTE: Members who join the Ready Reserves after release from active duty 

are eligible to continue their SGLI coverage for as long as they remain in the Ready Reserves. 

They are eligible to convert their active duty SGLI coverage to VGLI coverage. As noted in 

paragraph 11.01(f), "an individual can be insured under both programs, at the same time, 

provided the combined coverage does not exceed $400,000." (In most instances, these 

individuals will probably choose to carry the SGLI coverage since it costs less than VGLI 

coverage.) 

12.03 TIME ALLOWED TO APPLY FOR VGLI 

a. Members with full-time SGLI coverage. 

Members who have full-time SGLI coverage will be contacted by the OSGLI, usually within 45-60 

days following release or separation from duty. The OSGLI will send the veteran a pre-printed 

application for VGLI showing the necessary service data with information about continuing group 

coverage under the VGLI program. The application is sent to the veteran’s last address of record 

provided by the Department of Defense. A member who wishes to purchase VGLI and who does 

not receive this information may obtain a non-computer printed form SGLV 8714, Application for 

VGLI, from any VA office or by writing to the OSGLI. 

(1) Within 120 days after separation, an individual should submit an application with the 

required premium to the OSGLI. If the computer form is not used, form SGLV 8714 should be 

submitted. If the non-computer form is used, it must be accompanied by a copy of DD Form 214, 

or other equivalent proof of service. 

(2) If the veteran does not submit the premium and application within 120 days, the 

veteran may be granted VGLI provided form SGLV 8714 (see Appendix A), initial premiums, proof 

of service or assignment and proof of good health are submitted within 1 year after the veteran’s 

SGLI coverage is terminated (that is, one year after the end of the 120 day period). 

(3) If the veteran is totally disabled on the date of separation from service, coverage 

under the SGLI group policy may continue without charge for 1 year after the separation date or 

until the insured ceases to be totally disabled, whichever is the earlier date. The member must 

apply to OSGLI for this extension. The member may also apply for VGLI anytime during this 1-

year period that SGLI remains in effect. 

(4) If a totally disabled veteran does not apply for VGLI within the 1-year period that SGLI 

is extended after the separation date, the coverage may still be granted provided form SGLV 

8714, evidence of insurability and the initial premium are submitted within 1 year from after the 

member’s SGLI coverage is terminated. 

(5) Total disability is defined as any one of the following: 

(a) Any impairment of mind or body which continuously renders it impossible for the 

insured to follow any substantially gainful occupation; 

(b) The permanent loss or loss of use of both feet, or both hands, or both eyes, or one 

foot and one hand, or one hand and one eye; 

(c) The total loss of hearing in both ears; 

(d) The organic loss of speech. Organic loss of speech means the physiological loss of the 

ability to express oneself (both voice and whisper) through the normal organs of speech. When 

such loss exists, the fact that some speech can be produced through the use of an artificial 

appliance will be disregarded. 

(6) A member is eligible to apply for an extension based on total disability even if he or 

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she has not received a total disability rating from a VA regional office. NOTE: Members having 

any of the disabilities listed under subparagraphs 11.03a(5)(b),(c) and (d) above, are considered 

totally disabled regardless of employment. Members having other disabilities are considered 

totally disabled only when the disability would prevent the member from engaging in substantially 

gainful employment. If the member is able to engage in such employment, whether he or she 

does so or not, the member is no longer totally disabled. Members having the types of disabilities 

which do not prevent employment, or which are likely to improve so that employment is possible, 

should not postpone exercising their right to obtain VGLI. 

b. Members with part-time SGLI coverage 

(1) Members with part-time SGLI coverage do not have the privilege of continuing group 

coverage under VGLI, unless SGLI is continued in force after the period of duty terminates as a 

result of disability incurred or aggravated during such duty. 

(2) If a member believes that he or she qualifies for VGLI coverage and such coverage is 

desired, the member should write to the OSGLI well before the end of the 120-day eligibility 

period. That office will furnish the necessary information on how to obtain VGLI coverage. 

c. IRR and ING members 

(1) Members of the IRR and ING have one year and 120 days from the date they become 

members of these organizations to apply for VGLI. 

(2) Individuals applying within 120 days of becoming a member of either organization 

should submit a completed form SGLV 8714, Application for Veterans’ Group Life Insurance, the 

initial premium and orders evidencing membership in the IRR and ING to the OSGLI. 

(3) If an application and initial premium are not submitted within 120 days of becoming a 

member of either organization, VGLI may still be granted provided a completed form SGLV 8714, 

the initial premium, proof of membership and evidence of insurability are submitted to the OSGLI 

within one year of the expiration of the 120-day period. 

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12.04 EFFECTIVE DATE 

a. For members who have full-time SGLI coverage, the effective date for VGLI will be: 

(1) The 121st day after such separation or release provided the initial premium is mailed 

or otherwise delivered to the OSGLI on or before the 120th day after separation or release; 

(2) The day following the end of the 1-year period, if the member is totally disabled on the 

date of separation, or the day following the date that total disability ends, whichever is earlier, 

but in no event will VGLI become effective prior to the 121st day after separation. An acceptable 

application and the initial premium must be received in OSGLI prior to the end of the 1-year 

period following separation. 

(3) The date an acceptable application and premium is received at the OSGLI within 1 

year following termination of SGLI. (See paragraph 11.03.) 

b. For members who have part-time SGLI coverage and during such period of duty suffer 

an injury or disability which renders them uninsurable at standard premium rates, VGLI coverage 

will be effective the 121st day after such separation or release. The initial premium and proof of 

disability must be submitted before the 121st day after such release or separation. 

c. For individuals entering the IRR or ING, the effective date will be the date an acceptable 

application and premium are received in the OSGLI. The application and premium must be 

received within a year and 120 days after their entry into this status. 

12.05 PAYMENT OF PREMIUMS 

a. Premium payments for VGLI may be made directly to the OSGLI by direct remittance or 

by allotment from military retirement pay, or as a Deduction From VA Disability Compensation 

Benefits (DFB). 

b. The first premium must be sent directly with the application to the OSGLI even if the 

applicant desires to pay by allotment or by DFB. Upon approval of the application, subsequent 

premiums will be due monthly commencing the month after the insurance becomes effective or 

on the last day of the following month if that month does not have a date corresponding to the 

effective date. 

c. An individual may pay VGLI premiums in advance. Members who pay other than 

monthly receive a discount. The table below gives an example of the discount received by an 

insured aged 30-34 with $400,000 coverage whose monthly premium rate is $44.00. 

d. Upon approval of the application, the OSGLI will send each insured a certificate of 

coverage. Individuals who have elected to pay directly will receive premium statements either 

monthly, quarterly, semi-annually or annually. (See Appendix C for the current VGLI Premium 

Rate Table.) 

Payment Option Annual 

Premium (before 

discount) 

Discount Rate 

Annual Premium 

(after discount) 

Savings 

Monthly $528.00 0.00% $528.00 $0.00 

Quarterly $528.00 2.50% $514.80 $13.20 

Semiannually $528.00 3.75% $508.20 $19.80 

Annually $528.00 5.00% $501.60 $26.40 

12.06 APPLICATION FOR VGLI WHEN A MEMBER IS INCOMPETENT 

In the case of an incompetent member, the application for VGLI may be made by a guardian, 

committee, conservator or curator. In the absence of such a court-appointed representative, the 

application may be submitted by the member’s spouse, mother, father, or anyone acting on his 

or her behalf. In such event, this person should state on the VGLI application the circumstances 

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under which the application is submitted. 

12.07 BENEFICIARIES AND METHOD OF PAYMENT OF INSURANCE 

PROCEEDS 

a. The rules regarding beneficiary designation, method of payment of insurance proceeds, 

and Beneficiary Financial Counseling for VGLI are the same as those for members insured in the 

SGLI program. (See chapter 6, chapter 7, chapter 8, and chapter 9). 

b. When SGLI is converted to VGLI following separation from service, a new beneficiary 

designation should be made. If the designation is made during a period of time when SGLI is still 

in effect, the applicant may elect to have the VGLI beneficiary designation become effective 

immediately to change the SGLI designation. If this election is not made, the VGLI designation 

will be effective on the first day of VGLI coverage. 

However, any designation of beneficiary or beneficiaries for SGLI filed with a uniformed service, 

until changed, will be considered a designation of beneficiary or beneficiaries for VGLI but not for 

more than 60 days after the effective date of the insured’s VGLI, unless at the end of such 60-

day period the insured is incompetent. 

If the insured is incompetent, such designation may continue in force until the disability is 

removed but not for more than 5 years after the effective date of the insured’s VGLI. If the 

insured did not designate a beneficiary for VGLI and death occurs more than 60 days after the 

VGLI coverage is effective, the proceeds will be paid under the order of precedence in the law 

(See paragraph 6.06.) 

c. To designate a beneficiary for an incompetent applicant, the individual completing the 

application must submit guardianship papers which authorize the individual to designate 

beneficiaries on insurance policies. Such a document must be current and in force. 

12.08 ACCELERATED BENEFITS OPTION 

An Accelerated Benefits Option is available to all terminally-ill insureds under the VGLI 

program. The rules regarding the program are the same for both the SGLI and VGLI 

programs and are found in Chapter 5. 

12.09 CONVERSION TO AN INDIVIDUAL POLICY 

a. SGLI coverage in force on the date of release or separation from duty or assignment to 

the Ready Reserves may be converted to an individual policy of life insurance with a commercial 

company that participates in the program. The conversion privilege must be exercised within the 

120-day period following separation or release from duty or such assignment. If SGLI is 

converted to VGLI, this VGLI coverage can also be converted to a commercial policy that 

participates in the program at any time after the effective date of VGLI so long as VGLI premiums 

are paid up to the date of the conversion. 

b. VGLI insurance in force can, at any time, be converted to an individual policy of life 

insurance with a commercial company that participates in the program. 

c. OSGLI can provide information on how to convert VGLI coverage to an individual policy 

of life insurance with a list of participating companies. This information may be obtained on the 

web at www.insurance.va.gov/sgliSite/conversion/conversion.htm or by contacting the 

OSGLI. 

d. The individual policy will be issued at the standard premium rate regardless of health. 

The policy can be written on any permanent plan offered by the company. It cannot be issued for 

an amount greater that the amount of VGLI. It will provide life insurance, but no disability or 

other supplemental benefits. 

e. In the case of an incompetent member, the application for conversion may be made by 

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his or her guardian, committee, conservator or curator. In the absence of such a court- appointed 

representative, the application may be submitted by the member’s spouse, mother, father, or 

anyone acting on his or her behalf. In such event, this person should state on the conversion 

application the circumstances under which the application is submitted. The proceeds of such 

converted policy may be payable only to the member’s spouse, children, mother or father, or any 

other person with an insurable interest. 

12.10 DEATH CLAIMS 

A death certificate must be furnished for all VGLI claims. All death claims for persons insured 

under the VGLI program must be made to the OSGLI. VGLI claims should be sent to the 

address below: 

Office of Servicemembers' Group Life Insurance (OSGLI) 

290 W. Mt. Pleasant Avenue 

Livingston, NJ 07039 

12.11 LAPSE AND REINSTATEMENT 

a. VGLI coverage will lapse unless the premium is paid when due or within the grace 

period of 60 days. 

b. If VGLI lapses for failure to pay timely premiums, OSGLI will send the insured 

notification of the lapse and a reinstatement application form at the last known address of record. 

The insured may apply for reinstatement at any time within five years of the date of the unpaid 

premium. If the reinstatement application is submitted within six months of the date of lapse, the 

insured need only provide evidence that he or she in is in the same state of health on the date of 

reinstatement as he or she was on the date of the unpaid premium. If the reinstatement 

application is submitted more than six months after the date of the unpaid premium, the insured 

must meet good health requirements. The completed reinstatement application should be 

submitted to: 

Office of Servicemembers’ Group Life Insurance 

P.O. Box 41618 

Philadelphia, PA 19176-9913 

12.12 RENEWAL 

a. VGLI coverage that is in force will automatically be renewed at the expiration of each 

coverage period. The premium rate for the new period will be based on the insured’s age at the 

time of renewal and the rate schedule in effect at that time. The premium rate schedule is subject 

to change. . If coverage has lapsed for non-payment of premiums, this coverage must be 

reinstated, in accordance with paragraph 11.11(b) above, before renewal will be considered. 

b. The maximum amount of coverage that may be renewed is limited to the amount of 

VGLI in force at the end of the current VGLI period. If the amount of VGLI has previously been 

reduced, the insured may, within 5 years of the reduction, reinstate the reduced amount of 

insurance and continue this coverage for the renewal period. The five-year period for 

reinstatement applies even if it runs into a new term period. For example, if an individual reduced 

his or her coverage at the beginning of the third year of a term period, he or she may reinstate 

the reduced amount during the first two years of the next term period. Medical evidence of good 

health will be required for this reinstatement. 

c. Individuals insured under VGLI who are members of the IRR or ING may renew their 

VGLI if: 

(1) Their coverage is in force; and 

(2) They are members of the IRR or ING at the time of renewal. 

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12.13 VGLI LEGISLATIVE HISTORY 

a. The Veterans’ Group Life Insurance (VGLI) program was created by Public Law 93-289, 

The Veterans Insurance Act of 1974. The law was enacted May 24, 1974, and was effective 

August 12, 1974. It allowed veterans, upon separation, to convert their SGLI to a 5-year 

nonrenewable term policy called VGLI. 

b. Public Law 99-166 was enacted December 3, 1985, and became effective January 1, 

1986. It extended VGLI coverage to members of the Individual Ready Reserve (IRR) and Inactive 

National Guard (ING). It also provided that, if individuals remained in the IRR or ING through the 

5-year period, they were entitled to renew their VGLI for additional 5-year periods. There was no 

limit on the number of times they could renew provided they remained in the IRR or ING. At the 

end of the term period, these insureds had the right to convert their insurance to a permanent 

plan life insurance policy with one of the companies that participate in the program rather than 

renewing it. 

c. Public Law 102-568, effective December 1, 1992 provided that VGLI in effect on or after 

the effective date of the law is renewable for additional 5-year periods for all VGLI insureds. 

d. Public Law 104-275, effective October 9, 1996, merged Retired Reservists SGLI into the 

VGLI program and extended VGLI coverage to members of the Ready Reserves who have SGLI 

coverage and who are released from a drilling assignment. It also provided that individuals with 

VGLI coverage may, at any time, convert their VGLI coverage to an individual commercial policy, 

rather than only at the end of a 5-year renewal period. 

e. Public Law 105-368, effective February 9, 1999, established an Accelerated Benefit 

Option for terminally-ill SGLI and VGLI insureds. Under this option, a terminally-ill member may 

receive in a lump sum payment a portion of the face value of the insurance as an accelerated 

benefit. 

f. Public Law 106-419 increased the maximum amount of SGLI and VGLI coverage from 

$200,000 to $250,000 effective April 1, 2001. 

g. Public Law 109-13 increased the maximum amount of SGLI and VGLI coverage from 

$250,000 to $400,000, effective September 1, 2005. 

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CHAPTER 13. MISCELLANEOUS 

13.01 ADMINISTRATIVE DECISIONS 

a. Determinations by VA are conclusive under the policy with respect to the following: 

(1) The status of any person as a member as defined in chapter 1, or as a veteran and 

whether or not a person is insured for SGLI or VGLI at any point of time. 

(2) The fact and date of a member’s separation or release from active duty or active duty 

for training. 

(3) The fact, date, and hours of a member’s performance of inactive duty for training. 

(4) Whether a member eligible for part-time coverage suffered disability or death while on 

active duty, active duty for training or inactive duty training or while proceeding directly to or 

returning directly from such duty so as to be insured at death or for 120 days after the date of 

the termination of such duty. 

(5) The fact and dates with respect to a member’s absence without leave; confinement by 

civil authorities under a sentence adjudged by a civil court; or confinement by military authorities 

under a court-martial sentence involving total forfeiture of pay and allowances. 

(6) The enforcement of the provisions as set forth in paragraph 1.10 with respect to any 

member or veteran. 

(7) Whether an individual is a member of or is eligible for assignment to the Individual 

Ready Reserve or the Inactive National Guard. 

b. Questions involving the above as well as those involving coverage of classes of 

members and other questions concerning SGLI and VGLI are properly referred to: 

Assistant Director for Insurance (29) 

Department of Veterans Affairs Regional Office & Insurance Center 

P. O. Box 8079 

Philadelphia, PA 19101 

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13.02 ADVISORY COUNCIL ON SERVICEMEMBERS’ GROUP LIFE 

INSURANCE AND VETERANS’ GROUP LIFE INSURANCE 

a. The law provides an Advisory Council consisting of the Secretary of the Treasury as 

Chairperson, the Secretary of Defense, the Secretary of Commerce, the Secretary of Health and 

Human Services, the Secretary of Homeland Security and the Director of the Office of 

Management and Budget as members. 

b. The Council meets at the call of the Secretary of Veterans Affairs once a year, or more 

often to review the SGLI and VGLI programs and to advise the Secretary on matters of policy 

concerning both programs. 

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CHAPTER 14. RECORDS AND FORMS 

14.01 THE MAINTENANCE OF RECORDS 

a. Appropriate records showing the names and amount of insurance in force for those 

members who are insured in the SGLI program should be maintained by each uniformed service 

concerned and be available if required by the Secretary. 

b. The uniformed services should also retain all individual instructions, notifications and 

other declarations or elections submitted by its insured members and should make proper 

certifications as required. Particularly important are the elections by members to cancel or decline 

insurance. Such records are to be maintained in the member’s personnel folder during his or her 

full period of duty, and should be retained in the records maintained by the uniformed service 

following the member’s separation or release from duty. 

c. Once a claim has been filed with the OSGLI, the claims records will be retained by the 

OSGLI. The OSGLI will retain all records for those individuals who have VGLI coverage. This 

includes applications, records involving maintenance of the account and all claims records. 

14.02 FORMS 

a. The uniformed service is expected to retain a sufficient quantity of insurance forms to 

meet anticipated unit needs. 

b. Each service can acquire forms through electronic generation on our web site at 

www.insurance.va.gov/sgliSite/forms/forms.htm . Forms are available in Adobe Portable 

Document Format (pdf) and can be accessed using Adobe Acrobat Reader 4.0 or above. The 

forms are approved for Local Reproduction Authorized (LRA) and are to be reproduced without 

alteration. 

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APPENDIX A: SGLI AND VGLI FORMS 

1 SGLV 8283, Claim for Death Benefits (SGLI/VGLI) 

2 SGLV 8283A, Claim for Family Coverage Death Benefits (SGLI) 

3 SGLV 8284, Servicemember/Veteran Accelerated Benefits Option Form 

4 SGLV 8284A, Servicemember Family Coverage Accelerated Benefits Option Form 

5 SGLV 8285, Request for Insurance (SGLI) 

6 SGLV 8285A, Request for Family Coverage for Spouse (SGLI) 

7 SGLV 8286, Servicemembers' Group Life Insurance Election & Certificate* 

8 SGLV 8286A, Family Coverage Election (SGLI) 

9 SGLV 8700, Report of Death of Family Member 

10 SGLV 8714, Application for Veterans' Group Life Insurance 

11 SGLV 8721, Beneficiary Designation Form (VGLI) 

12 Application for SGLI Disability Extension 

13 GL 2005.261, Traumatic Injury Protection Certification Form 

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APPENDIX B: ADDRESSES FOR BRANCH OF SERVICE 

CASUALTY OFFICES 

Active Duty Reserves/National Guard 

Army US Army Human Resources 

Command 

Casualty Operations Division 

Attn: AHRC-PEC 

200 Stovall Street 

Alexandria, VA 22331 

U.S. Army Human Resources 

Command 

ATTN: AHRC-PSP-A 

9700 Page Boulevard 

St. Louis, MO 63132-1547 

Navy Bureau of Naval Personnel 

Casualty Section, PERS-623 

5720 Integrity Drive 

Millington, TN 38055-0621 

Bureau of Naval Personnel 

Casualty Section, PERS-623 

5720 Integrity Drive 

Millington, TN 38055-0621 

Marine Corps Commandant, U.S. Marine 

Corps 

HQ, U.S. Marine Corps 

Manpower and Reserve 

Affairs 

Casualty Section (MRC) 

3280 Russell Road 

Quantico, VA 22134-5143 

Commandant, U.S. Marine 

Corps 

HQ, U.S. Marine Corps 

Manpower and Reserve 

Affairs 

Casualty Section (MRC) 

3280 Russell Road 

Quantico, VA 22134-5143 

Air Force Department of the Air Force 

Attn: AFPC/DPWCS 

550 C Street West, Suite 14 

Randolph Field AFB 

San Antonio, TX 78150-

6001 

HQ ARPC-DPSSE 

Entitlements & Casualty 

Branch 

6760 East Irvington Place 

#4000 

Denver, CO 80280-4000 

Coast Guard Commandant (G-WPM-2) 

U.S. Coast Guard 

2100 Second Street, NW 

Washington, DC 20593-0001 

Public Health Service Public Health Service 

Attn: Division of 

Commissioned Personnel 

Parklawn Building 

5600 Fishers Lane 

Rockville, MD 20852 

National Oceanic and 

Atmospheric Administration 

NOAA 

Commissioned Personnel 

Division 

1315 East-West Highway 

Room 12100 

Silver Spring, MD 20910-

3285 

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APPENDIX C: PREMIUM RATE TABLES FOR VGLI 

VGLI Premium Rate Chart I 

(for policies with renewal dates before October 1, 2002) 

 Age Group 0-29* Age Group 30-34* Age Group 35-39* 

Coverage Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually 

$250,000.00 20.00 58.50 115.50 228.00 27.50 80.44 158.81 313.50 35.00 102.38 202.13 399.00 

240,000.00 19.20 56.16 110.88 218.88 26.40 77.22 152.46 300.96 33.60 98.28 194.04 383.04 

230,000.00 18.40 53.82 106.26 209.76 25.30 74.00 146.11 288.42 32.20 94.19 185.96 367.08 

220,000.00 17.60 51.48 101.64 200.64 24.20 70.79 139.76 275.88 30.80 90.09 177.87 351.12 

210,000.00 16.80 49.14 97.02 191.52 23.10 67.57 133.40 263.34 29.40 86.00 169.79 335.16 

200,000.00 16.00 46.80 92.40 182.40 22.00 64.35 127.05 250.80 28.00 81.90 161.70 319.20 

190,000.00 15.20 44.46 87.78 173.28 20.90 61.13 120.70 238.26 26.60 77.81 153.62 303.24 

180,000.00 14.40 42.12 83.16 164.16 19.80 57.92 114.35 225.72 25.20 73.71 145.53 287.28 

170,000.00 13.60 39.78 78.54 155.04 18.70 54.70 107.99 213.18 23.80 69.62 137.45 271.32 

160,000.00 12.80 37.44 73.92 145.92 17.60 51.48 101.64 200.64 22.40 65.52 129.36 255.36 

150,000.00 12.00 35.10 69.30 136.80 16.50 48.26 95.29 188.10 21.00 61.43 121.28 239.40 

140,000.00 11.20 32.76 64.68 127.68 15.40 45.05 88.94 175.56 19.60 57.33 113.19 223.44 

130,000.00 10.40 30.42 60.06 118.56 14.30 41.83 82.58 163.02 18.20 53.24 105.11 207.48 

120,000.00 9.60 28.08 55.44 109.44 13.20 38.61 76.23 150.48 16.80 49.14 97.02 191.52 

110,000.00 8.80 25.74 50.82 100.32 12.10 35.39 69.88 137.94 15.40 45.05 88.94 175.56 

100,000.00 8.00 23.40 46.20 91.20 11.00 32.18 63.53 125.40 14.00 40.95 80.85 159.60 

90,000.00 7.20 21.06 41.58 82.08 9.90 28.96 57.17 112.86 12.60 36.86 72.77 143.64 

80,000.00 6.40 18.72 36.96 72.96 8.80 25.74 50.82 100.32 11.20 32.76 64.68 127.68 

70,000.00 5.60 16.38 32.34 63.84 7.70 22.52 44.47 87.78 9.80 28.67 56.60 111.72 

60,000.00 4.80 14.04 27.72 54.72 6.60 19.31 38.12 75.24 8.40 24.57 48.51 95.76 

50,000.00 4.00 11.70 23.10 45.60 5.50 16.09 31.76 62.70 7.00 20.48 40.43 79.80 

40,000.00 3.20 9.36 18.48 36.48 4.40 12.87 25.41 50.16 5.60 16.38 32.34 63.84 

30,000.00 2.40 7.02 13.86 27.36 3.30 9.65 19.06 37.62 4.20 12.29 24.26 47.88 

20,000.00 1.60 4.68 9.24 18.24 2.20 6.44 12.71 25.08 2.80 8.19 16.17 31.92 

10,000.00 0.80 2.34 4.62 9.12 1.10 3.22 6.35 12.54 1.40 4.10 8.09 15.96 

 Age Group 40-44* Age Group 45-49* Age Group 50-54* 

Coverage Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually 

$250,000.00 55.00 160.88 317.63 627.00 80.00 234.00 462.00 912.00 130.00 380.25 750.75 1,482.00 

240,000.00 52.80 154.44 304.92 601.92 76.80 224.64 443.52 875.52 124.80 365.04 720.72 1,422.72 

230,000.00 50.60 148.01 292.22 576.84 73.60 215.28 425.04 839.04 119.60 349.83 690.69 1,363.44 

220,000.00 48.40 141.57 279.51 551.76 70.40 205.92 406.56 802.56 114.40 334.62 660.66 1,304.16 

210,000.00 46.20 135.14 266.81 526.68 67.20 196.56 388.08 766.08 109.20 319.41 630.63 1,244.88 

200,000.00 44.00 128.70 254.10 501.60 64.00 187.20 369.60 729.60 104.00 304.20 600.60 1,185.60 

190,000.00 41.80 122.27 241.40 476.52 60.80 177.84 351.12 693.12 98.80 288.99 570.57 1,126.32 

180,000.00 39.60 115.83 228.69 451.44 57.60 168.48 332.64 656.64 93.60 273.78 540.54 1,067.04 

170,000.00 37.40 109.40 215.99 426.36 54.40 159.12 314.16 620.16 88.40 258.57 510.51 1,007.76 

160,000.00 35.20 102.96 203.28 401.28 51.20 149.76 295.68 583.68 83.20 243.36 480.48 948.48 

150,000.00 33.00 96.53 190.58 376.20 48.00 140.40 277.20 547.20 78.00 228.15 450.45 889.20 

140,000.00 30.80 90.09 177.87 351.12 44.80 131.04 258.72 510.72 72.80 212.94 420.42 829.92 

130,000.00 28.60 83.66 165.17 326.04 41.60 121.68 240.24 474.24 67.60 197.73 390.39 770.64 

120,000.00 26.40 77.22 152.46 300.96 38.40 112.32 221.76 437.76 62.40 182.52 360.36 711.36 

110,000.00 24.20 70.79 139.76 275.88 35.20 102.96 203.28 401.28 57.20 167.31 330.33 652.08 

100,000.00 22.00 64.35 127.05 250.80 32.00 93.60 184.80 364.80 52.00 152.10 300.30 592.80 

90,000.00 19.80 57.92 114.35 225.72 28.80 84.24 166.32 328.32 46.80 136.89 270.27 533.52 

80,000.00 17.60 51.48 101.64 200.64 25.60 74.88 147.84 291.84 41.60 121.68 240.24 474.24 

70,000.00 15.40 45.05 88.94 175.56 22.40 65.52 129.36 255.36 36.40 106.47 210.21 414.96 

60,000.00 13.20 38.61 76.23 150.48 19.20 56.16 110.88 218.88 31.20 91.26 180.18 355.68 

50,000.00 11.00 32.18 63.53 125.40 16.00 46.80 92.40 182.40 26.00 76.05 150.15 296.40 

40,000.00 8.80 25.74 50.82 100.32 12.80 37.44 73.92 145.92 20.80 60.84 120.12 237.12 

30,000.00 6.60 19.31 38.12 75.24 9.60 28.08 55.44 109.44 15.60 45.63 90.09 177.84 

20,000.00 4.40 12.87 25.41 50.16 6.40 18.72 36.96 72.96 10.40 30.42 60.06 118.56 

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10,000.00 2.20 6.44 12.71 25.08 3.20 9.36 18.48 36.48 5.20 15.21 30.03 59.28 

 Age Group 55-59* Age Group 60-64* Age Group 65-69* 

COVERAGE Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually 

$250,000.00 210.00 614.25 1,212.75 2,394.00 281.25 822.66 1,624.22 3,206.25 375.00 1,096.88 2,165.63 4,275.00 

240,000.00 201.60 589.68 1,164.24 2,298.24 270.00 789.75 1,559.25 3,078.00 360.00 1,053.00 2,079.00 4,104.00 

230,000.00 193.20 565.11 1,115.73 2,202.48 258.75 756.84 1,494.28 2,949.75 345.00 1,009.13 1,992.38 3,933.00 

220,000.00 184.80 540.54 1,067.22 2,106.72 247.50 723.94 1,429.31 2,821.50 330.00 965.25 1,905.75 3,762.00 

210,000.00 176.40 515.97 1,018.71 2,010.96 236.25 691.03 1,364.34 2,693.25 315.00 921.38 1,819.13 3,591.00 

200,000.00 168.00 491.40 970.20 1,915.20 225.00 658.13 1,299.38 2,565.00 300.00 877.50 1,732.50 3,420.00 

190,000.00 159.60 466.83 921.69 1,819.44 213.75 625.22 1,234.41 2,436.75 285.00 833.63 1,645.88 3,249.00 

180,000.00 151.20 442.26 873.18 1,723.68 202.50 592.31 1,169.44 2,308.50 270.00 789.75 1,559.25 3,078.00 

170,000.00 142.80 417.69 824.67 1,627.92 191.25 559.41 1,104.47 2,180.25 255.00 745.88 1,472.63 2,907.00 

160,000.00 134.40 393.12 776.16 1,532.16 180.00 526.50 1,039.50 2,052.00 240.00 702.00 1,386.00 2,736.00 

150,000.00 126.00 368.55 727.65 1,436.40 168.75 493.59 974.53 1,923.75 225.00 658.13 1,299.38 2,565.00 

140,000.00 117.60 343.98 679.14 1,340.64 157.50 460.69 909.56 1,795.50 210.00 614.25 1,212.75 2,394.00 

130,000.00 109.20 319.41 630.63 1,244.88 146.25 427.78 844.59 1,667.25 195.00 570.38 1,126.13 2,223.00 

120,000.00 100.80 294.84 582.12 1,149.12 135.00 394.88 779.63 1,539.00 180.00 526.50 1,039.50 2,052.00 

110,000.00 92.40 270.27 533.61 1,053.36 123.75 361.97 714.66 1,410.75 165.00 482.63 952.88 1,881.00 

100,000.00 84.00 245.70 485.10 957.60 112.50 329.06 649.69 1,282.50 150.00 438.75 866.25 1,710.00 

90,000.00 75.60 221.13 436.59 861.84 101.25 296.16 584.72 1,154.25 135.00 394.88 779.63 1,539.00 

80,000.00 67.20 196.56 388.08 766.08 90.00 263.25 519.75 1,026.00 120.00 351.00 693.00 1,368.00 

70,000.00 58.80 171.99 339.57 670.32 78.75 230.34 454.78 897.75 105.00 307.13 606.38 1,197.00 

60,000.00 50.40 147.42 291.06 574.56 67.50 197.44 389.81 769.50 90.00 263.25 519.75 1,026.00 

50,000.00 42.00 122.85 242.55 478.80 56.25 164.53 324.84 641.25 75.00 219.38 433.13 855.00 

40,000.00 33.60 98.28 194.04 383.04 45.00 131.63 259.88 513.00 60.00 175.50 346.50 684.00 

30,000.00 25.20 73.71 145.53 287.28 33.75 98.72 194.91 384.75 45.00 131.63 259.88 513.00 

20,000.00 16.80 49.14 97.02 191.52 22.50 65.81 129.94 256.50 30.00 87.75 173.25 342.00 

10,000.00 8.40 24.57 48.51 95.76 11.25 32.91 64.97 128.25 15.00 43.88 86.63 171.00 

 Age Group 70-74* Age Group 75+* 

COVERAGE Monthly Quarterly Semiannually Annually Monthly Quarterly Semiannually Annually 

$250,000.00 562.50 1,645.31 3,248.44 6,412.50 1,125.00 3,290.63 6,496.88 12,825.00 

240,000.00 540.00 1,579.50 3,118.50 6,156.00 1,080.00 3,159.00 6,237.00 12,312.00 

230,000.00 517.50 1,513.69 2,988.56 5,899.50 1,035.00 3,027.38 5,977.13 11,799.00 

220,000.00 495.00 1,447.88 2,858.63 5,643.00 990.00 2,895.75 5,717.25 11,286.00 

210,000.00 472.50 1,382.06 2,728.69 5,386.50 945.00 2,764.13 5,457.38 10,773.00 

200,000.00 450.00 1,316.25 2,598.75 5,130.00 900.00 2,632.50 5,197.50 10,260.00 

190,000.00 427.50 1,250.44 2,468.81 4,873.50 855.00 2,500.88 4,937.63 9,747.00 

180,000.00 405.00 1,184.63 2,338.88 4,617.00 810.00 2,369.25 4,677.75 9,234.00 

170,000.00 382.50 1,118.81 2,208.94 4,360.50 765.00 2,237.63 4,417.88 8,721.00 

160,000.00 360.00 1,053.00 2,079.00 4,104.00 720.00 2,106.00 4,158.00 8,208.00 

150,000.00 337.50 987.19 1,949.06 3,847.50 675.00 1,974.38 3,898.13 7,695.00 

140,000.00 315.00 921.38 1,819.13 3,591.00 630.00 1,842.75 3,638.25 7,182.00 

130,000.00 292.50 855.56 1,689.19 3,334.50 585.00 1,711.13 3,378.38 6,669.00 

120,000.00 270.00 789.75 1,559.25 3,078.00 540.00 1,579.50 3,118.50 6,156.00 

110,000.00 247.50 723.94 1,429.31 2,821.50 495.00 1,447.88 2,858.63 5,643.00 

100,000.00 225.00 658.13 1,299.38 2,565.00 450.00 1,316.25 2,598.75 5,130.00 

90,000.00 202.50 592.31 1,169.44 2,308.50 405.00 1,184.63 2,338.88 4,617.00 

80,000.00 180.00 526.50 1,039.50 2,052.00 360.00 1,053.00 2,079.00 4,104.00 

70,000.00 157.50 460.69 909.56 1,795.50 315.00 921.38 1,819.13 3,591.00 

60,000.00 135.00 394.88 779.63 1,539.00 270.00 789.75 1,559.25 3,078.00 

50,000.00 112.50 329.06 649.69 1,282.50 225.00 658.13 1,299.38 2,565.00 

40,000.00 90.00 263.25 519.75 1,026.00 180.00 526.50 1,039.50 2,052.00 

30,000.00 67.50 197.44 389.81 769.50 135.00 394.88 779.63 1,539.00 

20,000.00 45.00 131.63 259.88 513.00 90.00 263.25 519.75 1,026.00 

10,000.00 22.50 65.81 129.94 256.50 45.00 131.63 259.88 513.00 

43 

Archival Copy
52

VGLI Premium Rate Chart II 

(for policies with renewal dates on or after October 1, 2002) 

 0-29 30-34 35-39 

 MONTHLY QUARTERLY 

SEMIANNUAL ANNUAL MONTHLY QUARTERLY SEMI-ANNUAL ANNUAL MONTHLY QUARTERLY SEMI-ANNUAL ANNUAL

400,000 $32.00 $93.60 $184.80 $364.80 $44.00 $128.70 $254.10 $501.60 $56.00 $163.80 $323.40 $638.40 

390,000 $31.20 $91.26 $180.18 $355.68 $42.90 $125.48 $247.75 $489.06 $54.60 $159.71 $315.32 $622.44 

380,000 $30.40 $88.92 $175.56 $346.56 $41.80 $122.27 $241.40 $476.52 $53.20 $155.61 $307.23 $606.48 

370,000 $29.60 $86.58 $170.94 $337.44 $40.70 $119.05 $235.04 $463.98 $51.80 $151.52 $299.15 $590.52 

360,000 $28.80 $84.24 $166.32 $328.32 $39.60 $115.83 $228.69 $451.44 $50.40 $147.42 $291.06 $574.56 

350,000 $28.00 $81.90 $161.70 $319.20 $38.50 $112.61 $222.34 $438.90 $49.00 $143.33 $282.98 $558.60 

340,000 $27.20 $79.56 $157.08 $310.08 $37.40 $109.40 $215.99 $426.36 $47.60 $139.23 $274.89 $542.64 

330,000 $26.40 $77.22 $152.46 $300.96 $36.30 $106.18 $209.63 $413.82 $46.20 $135.14 $266.81 $526.68 

320,000 $25.60 $74.88 $147.84 $291.84 $35.20 $102.96 $203.28 $401.28 $44.80 $131.04 $258.72 $510.72 

310,000 $24.80 $72.54 $143.22 $282.72 $34.10 $99.74 $196.93 $388.74 $43.40 $126.95 $250.64 $494.76 

300,000 $24.00 $70.20 $138.60 $273.60 $33.00 $96.53 $190.58 $376.20 $42.00 $122.85 $242.55 $478.80 

290,000 $23.20 $67.86 $133.98 $264.48 $31.90 $93.31 $184.22 $363.66 $40.60 $118.76 $234.47 $462.84 

280,000 $22.40 $65.52 $129.36 $255.36 $30.80 $90.09 $177.87 $351.12 $39.20 $114.66 $226.38 $446.88 

270,000 $21.60 $63.18 $124.74 $246.24 $29.70 $86.87 $171.52 $338.58 $37.80 $110.57 $218.30 $430.92 

260,000 $20.80 $60.84 $120.12 $237.12 $28.60 $83.66 $165.17 $326.04 $36.40 $106.47 $210.21 $414.96 

250,000 $20.00 $58.50 $115.50 $228.00 $27.50 $80.44 $158.81 $313.50 $35.00 $102.38 $202.13 $399.00 

240,000 $19.20 $56.16 $110.88 $218.88 $26.40 $77.22 $152.46 $300.96 $33.60 $98.28 $194.04 $383.04 

230,000 $18.40 $53.82 $106.26 $209.76 $25.30 $74.00 $146.11 $288.42 $32.20 $94.19 $185.96 $367.08 

220,000 $17.60 $51.48 $101.64 $200.64 $24.20 $70.79 $139.76 $275.88 $30.80 $90.09 $177.87 $351.12 

210,000 $16.80 $49.14 $97.02 $191.52 $23.10 $67.57 $133.40 $263.34 $29.40 $86.00 $169.79 $335.16 

200,000 $16.00 $46.80 $92.40 $182.40 $22.00 $64.35 $127.05 $250.80 $28.00 $81.90 $161.70 $319.20 

190,000 $15.20 $44.46 $87.78 $173.28 $20.90 $61.13 $120.70 $238.26 $26.60 $77.81 $153.62 $303.24 

180,000 $14.40 $42.12 $83.16 $164.16 $19.80 $57.92 $114.35 $225.72 $25.20 $73.71 $145.53 $287.28 

170,000 $13.60 $39.78 $78.54 $155.04 $18.70 $54.70 $107.99 $213.18 $23.80 $69.62 $137.45 $271.32 

160,000 $12.80 $37.44 $73.92 $145.92 $17.60 $51.48 $101.64 $200.64 $22.40 $65.52 $129.36 $255.36 

150,000 $12.00 $35.10 $69.30 $136.80 $16.50 $48.26 $95.29 $188.10 $21.00 $61.43 $121.28 $239.40 

140,000 $11.20 $32.76 $64.68 $127.68 $15.40 $45.05 $88.94 $175.56 $19.60 $57.33 $113.19 $223.44 

130,000 $10.40 $30.42 $60.06 $118.56 $14.30 $41.83 $82.58 $163.02 $18.20 $53.24 $105.11 $207.48 

120,000 $9.60 $28.08 $55.44 $109.44 $13.20 $38.61 $76.23 $150.48 $16.80 $49.14 $97.02 $191.52 

110,000 $8.80 $25.74 $50.82 $100.32 $12.10 $35.39 $69.88 $137.94 $15.40 $45.05 $88.94 $175.56 

100,000 $8.00 $23.40 $46.20 $91.20 $11.00 $32.18 $63.53 $125.40 $14.00 $40.95 $80.85 $159.60 

90,000 $7.20 $21.06 $41.58 $82.08 $9.90 $28.96 $57.17 $112.86 $12.60 $36.86 $72.77 $143.64 

80,000 $6.40 $18.72 $36.96 $72.96 $8.80 $25.74 $50.82 $100.32 $11.20 $32.76 $64.68 $127.68 

70,000 $5.60 $16.38 $32.34 $63.84 $7.70 $22.52 $44.47 $87.78 $9.80 $28.67 $56.60 $111.72 

60,000 $4.80 $14.04 $27.72 $54.72 $6.60 $19.31 $38.12 $75.24 $8.40 $24.57 $48.51 $95.76 

50,000 $4.00 $11.70 $23.10 $45.60 $5.50 $16.09 $31.76 $62.70 $7.00 $20.48 $40.43 $79.80 

40,000 $3.20 $9.36 $18.48 $36.48 $4.40 $12.87 $25.41 $50.16 $5.60 $16.38 $32.34 $63.84 

30,000 $2.40 $7.02 $13.86 $27.36 $3.30 $9.65 $19.06 $37.62 $4.20 $12.29 $24.26 $47.88 

20,000 $1.60 $4.68 $9.24 $18.24 $2.20 $6.44 $12.71 $25.08 $2.80 $8.19 $16.17 $31.92 

10,000 $0.80 $2.34 $4.62 $9.12 $1.10 $3.22 $6.35 $12.54 $1.40 $4.10 $8.09 $15.96 

Archival Copy
53

 40-44 45-49 50-54 

 MONTHLY QUARTERLY 

SEMIANNUAL ANNUAL MONTHLY QUARTERLY SEMI-ANNUAL ANNUAL MONTHLY QUARTERLY SEMI-ANNUAL ANNUAL

400,000 $76.00 $222.30 $438.90 $866.40 $100.00 $292.50 $577.50 $1,140.00 $160.00 $468.00 $924.00 $1,824.00

390,000 $74.10 $216.74 $427.93 $844.74 $97.50 $285.19 $563.06 $1,111.50 $156.00 $456.30 $900.90 $1,778.40

380,000 $72.20 $211.19 $416.96 $823.08 $95.00 $277.88 $548.63 $1,083.00 $152.00 $444.60 $877.80 $1,732.80

370,000 $70.30 $205.63 $405.98 $801.42 $92.50 $270.56 $534.19 $1,054.50 $148.00 $432.90 $854.70 $1,687.20

360,000 $68.40 $200.07 $395.01 $779.76 $90.00 $263.25 $519.75 $1,026.00 $144.00 $421.20 $831.60 $1,641.60

350,000 $66.50 $194.51 $384.04 $758.10 $87.50 $255.94 $505.31 $997.50 $140.00 $409.50 $808.50 $1,596.00

340,000 $64.60 $188.96 $373.07 $736.44 $85.00 $248.63 $490.88 $969.00 $136.00 $397.80 $785.40 $1,550.40

330,000 $62.70 $183.40 $362.09 $714.78 $82.50 $241.31 $476.44 $940.50 $132.00 $386.10 $762.30 $1,504.80

320,000 $60.80 $177.84 $351.12 $693.12 $80.00 $234.00 $462.00 $912.00 $128.00 $374.40 $739.20 $1,459.20

310,000 $58.90 $172.28 $340.15 $671.46 $77.50 $226.69 $447.56 $883.50 $124.00 $362.70 $716.10 $1,413.60

300,000 $57.00 $166.73 $329.18 $649.80 $75.00 $219.38 $433.13 $855.00 $120.00 $351.00 $693.00 $1,368.00

290,000 $55.10 $161.17 $318.20 $628.14 $72.50 $212.06 $418.69 $826.50 $116.00 $339.30 $669.90 $1,322.40

280,000 $53.20 $155.61 $307.23 $606.48 $70.00 $204.75 $404.25 $798.00 $112.00 $327.60 $646.80 $1,276.80

270,000 $51.30 $150.05 $296.26 $584.82 $67.50 $197.44 $389.81 $769.50 $108.00 $315.90 $623.70 $1,231.20

260,000 $49.40 $144.50 $285.29 $563.16 $65.00 $190.13 $375.38 $741.00 $104.00 $304.20 $600.60 $1,185.60

250,000 $47.50 $138.94 $274.31 $541.50 $62.50 $182.81 $360.94 $712.50 $100.00 $292.50 $577.50 $1,140.00

240,000 $45.60 $133.38 $263.34 $519.84 $60.00 $175.50 $346.50 $684.00 $96.00 $280.80 $554.40 $1,094.40

230,000 $43.70 $127.82 $252.37 $498.18 $57.50 $168.19 $332.06 $655.50 $92.00 $269.10 $531.30 $1,048.80

220,000 $41.80 $122.27 $241.40 $476.52 $55.00 $160.88 $317.63 $627.00 $88.00 $257.40 $508.20 $1,003.20

210,000 $39.90 $116.71 $230.42 $454.86 $52.50 $153.56 $303.19 $598.50 $84.00 $245.70 $485.10 $957.60 

200,000 $38.00 $111.15 $219.45 $433.20 $50.00 $146.25 $288.75 $570.00 $80.00 $234.00 $462.00 $912.00 

190,000 $36.10 $105.59 $208.48 $411.54 $47.50 $138.94 $274.31 $541.50 $76.00 $222.30 $438.90 $866.40 

180,000 $34.20 $100.04 $197.51 $389.88 $45.00 $131.63 $259.88 $513.00 $72.00 $210.60 $415.80 $820.80 

170,000 $32.30 $94.48 $186.53 $368.22 $42.50 $124.31 $245.44 $484.50 $68.00 $198.90 $392.70 $775.20 

160,000 $30.40 $88.92 $175.56 $346.56 $40.00 $117.00 $231.00 $456.00 $64.00 $187.20 $369.60 $729.60 

150,000 $28.50 $83.36 $164.59 $324.90 $37.50 $109.69 $216.56 $427.50 $60.00 $175.50 $346.50 $684.00 

140,000 $26.60 $77.81 $153.62 $303.24 $35.00 $102.38 $202.13 $399.00 $56.00 $163.80 $323.40 $638.40 

130,000 $24.70 $72.25 $142.64 $281.58 $32.50 $95.06 $187.69 $370.50 $52.00 $152.10 $300.30 $592.80 

120,000 $22.80 $66.69 $131.67 $259.92 $30.00 $87.75 $173.25 $342.00 $48.00 $140.40 $277.20 $547.20 

110,000 $20.90 $61.13 $120.70 $238.26 $27.50 $80.44 $158.81 $313.50 $44.00 $128.70 $254.10 $501.60 

100,000 $19.00 $55.58 $109.73 $216.60 $25.00 $73.13 $144.38 $285.00 $40.00 $117.00 $231.00 $456.00 

90,000 $17.10 $50.02 $98.75 $194.94 $22.50 $65.81 $129.94 $256.50 $36.00 $105.30 $207.90 $410.40 

80,000 $15.20 $44.46 $87.78 $173.28 $20.00 $58.50 $115.50 $228.00 $32.00 $93.60 $184.80 $364.80 

70,000 $13.30 $38.90 $76.81 $151.62 $17.50 $51.19 $101.06 $199.50 $28.00 $81.90 $161.70 $319.20 

60,000 $11.40 $33.35 $65.84 $129.96 $15.00 $43.88 $86.63 $171.00 $24.00 $70.20 $138.60 $273.60 

50,000 $9.50 $27.79 $54.86 $108.30 $12.50 $36.56 $72.19 $142.50 $20.00 $58.50 $115.50 $228.00 

40,000 $7.60 $22.23 $43.89 $86.64 $10.00 $29.25 $57.75 $114.00 $16.00 $46.80 $92.40 $182.40 

30,000 $5.70 $16.67 $32.92 $64.98 $7.50 $21.94 $43.31 $85.50 $12.00 $35.10 $69.30 $136.80 

20,000 $3.80 $11.12 $21.95 $43.32 $5.00 $14.63 $28.88 $57.00 $8.00 $23.40 $46.20 $91.20 

10,000 $1.90 $5.56 $10.97 $21.66 $2.50 $7.31 $14.44 $28.50 $4.00 $11.70 $23.10 $45.60 

Archival Copy
54

 55-59 60-64 65-69 

 MONTHLY QUARTERLY 

SEMIANNUAL ANNUAL MONTHLY QUARTERLYSEMIANNUAL ANNUAL MONTHLY QUARTERLY SEMI-ANNUAL ANNUAL

400,000 $280.00 $819.00 $1,617.00 $3,192.00 $450.00 $1,316.25 $2,598.75 $5,130.00 $600.00 $1,755.00 $3,465.00 $6,840.00

390,000 $273.00 $798.53 $1,576.58 $3,112.20 $438.75 $1,283.34 $2,533.78 $5,001.75 $585.00 $1,711.13 $3,378.38 $6,669.00

380,000 $266.00 $778.05 $1,536.15 $3,032.40 $427.50 $1,250.44 $2,468.81 $4,873.50 $570.00 $1,667.25 $3,291.75 $6,498.00

370,000 $259.00 $757.58 $1,495.73 $2,952.60 $416.25 $1,217.53 $2,403.84 $4,745.25 $555.00 $1,623.38 $3,205.13 $6,327.00

360,000 $252.00 $737.10 $1,455.30 $2,872.80 $405.00 $1,184.63 $2,338.88 $4,617.00 $540.00 $1,579.50 $3,118.50 $6,156.00

350,000 $245.00 $716.63 $1,414.88 $2,793.00 $393.75 $1,151.72 $2,273.91 $4,488.75 $525.00 $1,535.63 $3,031.88 $5,985.00

340,000 $238.00 $696.15 $1,374.45 $2,713.20 $382.50 $1,118.81 $2,208.94 $4,360.50 $510.00 $1,491.75 $2,945.25 $5,814.00

330,000 $231.00 $675.68 $1,334.03 $2,633.40 $371.25 $1,085.91 $2,143.97 $4,232.25 $495.00 $1,447.88 $2,858.63 $5,643.00

320,000 $224.00 $655.20 $1,293.60 $2,553.60 $360.00 $1,053.00 $2,079.00 $4,104.00 $480.00 $1,404.00 $2,772.00 $5,472.00

310,000 $217.00 $634.73 $1,253.18 $2,473.80 $348.75 $1,020.09 $2,014.03 $3,975.75 $465.00 $1,360.13 $2,685.38 $5,301.00

300,000 $210.00 $614.25 $1,212.75 $2,394.00 $337.50 $987.19 $1,949.06 $3,847.50 $450.00 $1,316.25 $2,598.75 $5,130.00

290,000 $203.00 $593.78 $1,172.33 $2,314.20 $326.25 $954.28 $1,884.09 $3,719.25 $435.00 $1,272.38 $2,512.13 $4,959.00

280,000 $196.00 $573.30 $1,131.90 $2,234.40 $315.00 $921.38 $1,819.13 $3,591.00 $420.00 $1,228.50 $2,425.50 $4,788.00

270,000 $189.00 $552.83 $1,091.48 $2,154.60 $303.75 $888.47 $1,754.16 $3,462.75 $405.00 $1,184.63 $2,338.88 $4,617.00

260,000 $182.00 $532.35 $1,051.05 $2,074.80 $292.50 $855.56 $1,689.19 $3,334.50 $390.00 $1,140.75 $2,252.25 $4,446.00

250,000 $175.00 $511.88 $1,010.63 $1,995.00 $281.25 $822.66 $1,624.22 $3,206.25 $375.00 $1,096.88 $2,165.63 $4,275.00

240,000 $168.00 $491.40 $970.20 $1,915.20 $270.00 $789.75 $1,559.25 $3,078.00 $360.00 $1,053.00 $2,079.00 $4,104.00

230,000 $161.00 $470.93 $929.78 $1,835.40 $258.75 $756.84 $1,494.28 $2,949.75 $345.00 $1,009.13 $1,992.38 $3,933.00

220,000 $154.00 $450.45 $889.35 $1,755.60 $247.50 $723.94 $1,429.31 $2,821.50 $330.00 $965.25 $1,905.75 $3,762.00

210,000 $147.00 $429.98 $848.93 $1,675.80 $236.25 $691.03 $1,364.34 $2,693.25 $315.00 $921.38 $1,819.13 $3,591.00

200,000 $140.00 $409.50 $808.50 $1,596.00 $225.00 $658.13 $1,299.38 $2,565.00 $300.00 $877.50 $1,732.50 $3,420.00

190,000 $133.00 $389.03 $768.08 $1,516.20 $213.75 $625.22 $1,234.41 $2,436.75 $285.00 $833.63 $1,645.88 $3,249.00

180,000 $126.00 $368.55 $727.65 $1,436.40 $202.50 $592.31 $1,169.44 $2,308.50 $270.00 $789.75 $1,559.25 $3,078.00

170,000 $119.00 $348.08 $687.23 $1,356.60 $191.25 $559.41 $1,104.47 $2,180.25 $255.00 $745.88 $1,472.63 $2,907.00

160,000 $112.00 $327.60 $646.80 $1,276.80 $180.00 $526.50 $1,039.50 $2,052.00 $240.00 $702.00 $1,386.00 $2,736.00

150,000 $105.00 $307.13 $606.38 $1,197.00 $168.75 $493.59 $974.53 $1,923.75 $225.00 $658.13 $1,299.38 $2,565.00

140,000 $98.00 $286.65 $565.95 $1,117.20 $157.50 $460.69 $909.56 $1,795.50 $210.00 $614.25 $1,212.75 $2,394.00

130,000 $91.00 $266.18 $525.53 $1,037.40 $146.25 $427.78 $844.59 $1,667.25 $195.00 $570.38 $1,126.13 $2,223.00

120,000 $84.00 $245.70 $485.10 $957.60 $135.00 $394.88 $779.63 $1,539.00 $180.00 $526.50 $1,039.50 $2,052.00

110,000 $77.00 $225.23 $444.68 $877.80 $123.75 $361.97 $714.66 $1,410.75 $165.00 $482.63 $952.88 $1,881.00

100,000 $70.00 $204.75 $404.25 $798.00 $112.50 $329.06 $649.69 $1,282.50 $150.00 $438.75 $866.25 $1,710.00

90,000 $63.00 $184.28 $363.83 $718.20 $101.25 $296.16 $584.72 $1,154.25 $135.00 $394.88 $779.63 $1,539.00

80,000 $56.00 $163.80 $323.40 $638.40 $90.00 $263.25 $519.75 $1,026.00 $120.00 $351.00 $693.00 $1,368.00

70,000 $49.00 $143.33 $282.98 $558.60 $78.75 $230.34 $454.78 $897.75 $105.00 $307.13 $606.38 $1,197.00

60,000 $42.00 $122.85 $242.55 $478.80 $67.50 $197.44 $389.81 $769.50 $90.00 $263.25 $519.75 $1,026.00

50,000 $35.00 $102.38 $202.13 $399.00 $56.25 $164.53 $324.84 $641.25 $75.00 $219.38 $433.13 $855.00 

40,000 $28.00 $81.90 $161.70 $319.20 $45.00 $131.63 $259.88 $513.00 $60.00 $175.50 $346.50 $684.00 

30,000 $21.00 $61.43 $121.28 $239.40 $33.75 $98.72 $194.91 $384.75 $45.00 $131.63 $259.88 $513.00 

20,000 $14.00 $40.95 $80.85 $159.60 $22.50 $65.81 $129.94 $256.50 $30.00 $87.75 $173.25 $342.00 

10,000 $7.00 $20.48 $40.43 $79.80 $11.25 $32.91 $64.97 $128.25 $15.00 $43.88 $86.63 $171.00 

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 70-74 75+ 

 MONTHLY QUARTERL

Y 

SEMIANNUAL ANNUAL MONTHLY QUARTERL

Y 

SEMIANNUAL ANNUAL 

400,000 $900.00 $2,632.50 $5,197.50 $10,260.0

0 

$1,800.00 $5,265.00 $10,395.00 $20,520.00 

390,000 $877.50 $2,566.69 $5,067.56 $10,003.5

0 

$1,755.00 $5,133.38 $10,135.13 $20,007.00 

380,000 $855.00 $2,500.88 $4,937.63 $9,747.00 $1,710.00 $5,001.75 $9,875.25 $19,494.00 

370,000 $832.50 $2,435.06 $4,807.69 $9,490.50 $1,665.00 $4,870.13 $9,615.38 $18,981.00 

360,000 $810.00 $2,369.25 $4,677.75 $9,234.00 $1,620.00 $4,738.50 $9,355.50 $18,468.00 

350,000 $787.50 $2,303.44 $4,547.81 $8,977.50 $1,575.00 $4,606.88 $9,095.63 $17,955.00 

340,000 $765.00 $2,237.63 $4,417.88 $8,721.00 $1,530.00 $4,475.25 $8,835.75 $17,442.00 

330,000 $742.50 $2,171.81 $4,287.94 $8,464.50 $1,485.00 $4,343.63 $8,575.88 $16,929.00 

320,000 $720.00 $2,106.00 $4,158.00 $8,208.00 $1,440.00 $4,212.00 $8,316.00 $16,416.00 

310,000 $697.50 $2,040.19 $4,028.06 $7,951.50 $1,395.00 $4,080.38 $8,056.13 $15,903.00 

300,000 $675.00 $1,974.38 $3,898.13 $7,695.00 $1,350.00 $3,948.75 $7,796.25 $15,390.00 

290,000 $652.50 $1,908.56 $3,768.19 $7,438.50 $1,305.00 $3,817.13 $7,536.38 $14,877.00 

280,000 $630.00 $1,842.75 $3,638.25 $7,182.00 $1,260.00 $3,685.50 $7,276.50 $14,364.00 

270,000 $607.50 $1,776.94 $3,508.31 $6,925.50 $1,215.00 $3,553.88 $7,016.63 $13,851.00 

260,000 $585.00 $1,711.13 $3,378.38 $6,669.00 $1,170.00 $3,422.25 $6,756.75 $13,338.00 

250,000 $562.50 $1,645.31 $3,248.44 $6,412.50 $1,125.00 $3,290.63 $6,496.88 $12,825.00 

240,000 $540.00 $1,579.50 $3,118.50 $6,156.00 $1,080.00 $3,159.00 $6,237.00 $12,312.00 

230,000 $517.50 $1,513.69 $2,988.56 $5,899.50 $1,035.00 $3,027.38 $5,977.13 $11,799.00 

220,000 $495.00 $1,447.88 $2,858.63 $5,643.00 $990.00 $2,895.75 $5,717.25 $11,286.00 

210,000 $472.50 $1,382.06 $2,728.69 $5,386.50 $945.00 $2,764.13 $5,457.38 $10,773.00 

200,000 $450.00 $1,316.25 $2,598.75 $5,130.00 $900.00 $2,632.50 $5,197.50 $10,260.00 

190,000 $427.50 $1,250.44 $2,468.81 $4,873.50 $855.00 $2,500.88 $4,937.63 $9,747.00 

180,000 $405.00 $1,184.63 $2,338.88 $4,617.00 $810.00 $2,369.25 $4,677.75 $9,234.00 

170,000 $382.50 $1,118.81 $2,208.94 $4,360.50 $765.00 $2,237.63 $4,417.88 $8,721.00 

160,000 $360.00 $1,053.00 $2,079.00 $4,104.00 $720.00 $2,106.00 $4,158.00 $8,208.00 

150,000 $337.50 $987.19 $1,949.06 $3,847.50 $675.00 $1,974.38 $3,898.13 $7,695.00 

140,000 $315.00 $921.38 $1,819.13 $3,591.00 $630.00 $1,842.75 $3,638.25 $7,182.00 

130,000 $292.50 $855.56 $1,689.19 $3,334.50 $585.00 $1,711.13 $3,378.38 $6,669.00 

120,000 $270.00 $789.75 $1,559.25 $3,078.00 $540.00 $1,579.50 $3,118.50 $6,156.00 

110,000 $247.50 $723.94 $1,429.31 $2,821.50 $495.00 $1,447.88 $2,858.63 $5,643.00 

100,000 $225.00 $658.13 $1,299.38 $2,565.00 $450.00 $1,316.25 $2,598.75 $5,130.00 

90,000 $202.50 $592.31 $1,169.44 $2,308.50 $405.00 $1,184.63 $2,338.88 $4,617.00 

80,000 $180.00 $526.50 $1,039.50 $2,052.00 $360.00 $1,053.00 $2,079.00 $4,104.00 

70,000 $157.50 $460.69 $909.56 $1,795.50 $315.00 $921.38 $1,819.13 $3,591.00 

60,000 $135.00 $394.88 $779.63 $1,539.00 $270.00 $789.75 $1,559.25 $3,078.00 

50,000 $112.50 $329.06 $649.69 $1,282.50 $225.00 $658.13 $1,299.38 $2,565.00 

40,000 $90.00 $263.25 $519.75 $1,026.00 $180.00 $526.50 $1,039.50 $2,052.00 

30,000 $67.50 $197.44 $389.81 $769.50 $135.00 $394.88 $779.63 $1,539.00 

20,000 $45.00 $131.63 $259.88 $513.00 $90.00 $263.25 $519.75 $1,026.00 

10,000 $22.50 $65.81 $129.94 $256.50 $45.00 $131.63 $259.88 $513.00 

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APPENDIX D : PREMIUM RATE TABLES FOR SPOUSAL 

FSGLI 

Monthly Premium Rates – Effective July 1, 2003 

Amount of Age of Spouse 

Insurance Under 

35 

35-39 40-44 45-49 50-54 55-59 60 & 

Over 

 

$100,000 $6.00 $7.50 $10.00 $19.00 $28.00 $42.00 $54.00 

90,000 5.40 6.75 9.00 17.10 25.20 37.80 48.60 

80,000 4.80 6.00 8.00 15.20 22.40 33.60 43.20 

70,000 4.20 5.25 7.00 13.30 19.60 29.40 37.80 

60,000 3.60 4.50 6.00 11.40 16.80 25.20 32.40 

50,000 3.00 3.75 5.00 9.50 14.00 21.00 27.00 

40,000 2.40 3.00 4.00 7.60 11.20 16.80 21.60 

30,000 1.80 2.25 3.00 5.70 8.40 12.60 16.20 

20,000 1.20 1.50 2.00 3.80 5.60 8.40 10.80 

10,000 0.60 0.75 1.00 1.90 2.80 4.20 5.40 

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APPENDIX E : PREMIUM RATES FOR SGLI AND TSGLI 

COVERAGE 

Basic SGLI Traumatic Injury Coverage 

Full-Time

$.65 per $10,000 per month

This equates to a monthly premium of: 

$3.25 for $50,000 of coverage 

$6.50 for $100,000 of coverage 

$9.75 for $150,000 of coverage 

$13.00 for $200,000 of coverage 

$16.25 for $250,000 of coverage 

$19.50 for $300,000 of coverage 

$22.75 for $350,000 of coverage 

$26.00 for $400,000 of coverage 

$1.00 per month 

You must have Basic SGLI coverage to 

obtain Traumatic Injury coverage. 

Part-Time 

$.065 per $10,000 per year

This equates to an annual premium of: 

$3.25 for $50,000 of coverage 

$6.50 for $100,000 of coverage 

$9.75 for $150,000 of coverage 

$13.00 for $200,000 of coverage 

$16.25 for $250,000 of coverage 

$19.50 for $300,000 of coverage 

$22.75 for $350,000 of coverage 

$26.00 for $400,000 of coverage 

Funeral Honors Duty Premium: 

$.25 per $100,000 

1 Day Muster Premium: 

$.25 per $100,000 

$1.00 per year 

Funeral Honors Duty Premium: 

Free - No charge 

1 Day Muster Premium: 

Free - No charge 

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APPENDIX F : CONDITIONS EXCLUDED FROM TSGLI 

COVERAGE 

 

The TSGLI benefit will not be paid if a scheduled loss is due to a traumatic injury: 

• Caused by: 

o The member’s attempted suicide, while sane or insane 

o An intentionally self-inflicted injury or an attempt to inflict such injury 

o Medical or surgical treatment of an illness or disease 

o Willful use of an illegal or controlled substance, unless administered or 

consumed on the advice of a medical doctor; or 

• Sustained while a member was committing or attempting to commit a felony. 

Additionally, the benefit will not be paid for a scheduled loss resulting from: 

• A physical or mental illness or disease, whether or not caused by a traumatic injury, 

other than a pyogenic infection or physical illness or disease caused by biological, 

chemical, or radiological weapons or accidental ingestion of a contaminated 

substance; or 

• A mental disorder whether or not caused by a traumatic injury. 

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