H. R. 3200
One Hundred Ninth Congress
of the
United States of America 
AT THE FIRST SESSION 
Begun and held at the City of Washington on Tuesday, 
the fourth day of January, two thousand and five 
An Act 
To amend title 38, United States Code, to enhance the Servicemembers’ Group 
Life Insurance program, and for other purposes.
Be it enacted by the Senate and House of Representatives of 
the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Servicemembers’ Group Life 
Insurance Enhancement Act of 2005’’. 
SEC. 2. REPEALER. 
Effective as of August 31, 2005, section 1012 of division A 
of the Emergency Supplemental Appropriations Act for Defense, 
the Global War on Terror, and Tsunami Relief, 2005 (Public Law 
109–13; 119 Stat. 244), including the amendments made by that 
section, are repealed, and sections 1967, 1969, 1970, and 1977 
of title 38, United States Code, shall be applied as if that section 
had not been enacted. 
SEC. 3. INCREASE FROM $250,000 TO $400,000 IN AUTOMATIC MAXIMUM 
COVERAGE UNDER SERVICEMEMBERS’ GROUP LIFE 
INSURANCE AND VETERANS’ GROUP LIFE INSURANCE. 
(a) MAXIMUM UNDER SGLI.—Section 1967 of title 38, United 
States Code, is amended— 
(1) in subsection (a)(3)(A)(i), by striking ‘‘$250,000’’ and 
inserting ‘‘$400,000’’; and 
(2) in subsection (d), by striking ‘‘of $250,000’’ and inserting 
‘‘in effect under paragraph (3)(A)(i) of that subsection’’. 
(b) MAXIMUM UNDER VGLI.—Section 1977(a) of such title is 
amended— 
(1) in paragraph (1), by striking ‘‘in excess of $250,000 
at any one time’’ and inserting ‘‘at any one time in excess 
of the maximum amount for Servicemembers’ Group Life Insur-
ance in effect under section 1967(a)(3)(A)(i) of this title’’; and 
(2) in paragraph (2)— 
(A) by striking ‘‘for less than $250,000 under 
Servicemembers’ Group Life Insurance’’ and inserting 
‘‘under Servicemembers’ Group Life Insurance for less than 
the maximum amount for such insurance in effect under 
section 1967(a)(3)(A)(i) of this title’’; and 
(B) by striking ‘‘does not exceed $250,000’’ and 
inserting ‘‘does not exceed such maximum amount in effect 
under such section’’.
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(c) EFFECTIVE DATE.—The amendments made by this section 
shall take effect as of September 1, 2005, and shall apply with 
respect to deaths occurring on or after that date. 
SEC. 4. SPOUSAL NOTIFICATIONS RELATING TO SERVICEMEMBERS’ 
GROUP LIFE INSURANCE PROGRAM. 
Effective as of September 1, 2005, section 1967 of title 38, 
United States Code, is amended by adding at the end the following 
new subsection: 
‘‘(f)(1) If a member who is married and who is eligible for 
insurance under this section makes an election under subsection 
(a)(2)(A) not to be insured under this subchapter, the Secretary 
concerned shall notify the member’s spouse, in writing, of that 
election. 
‘‘(2) In the case of a member who is married and who is 
insured under this section and whose spouse is designated as a 
beneficiary of the member under this subchapter, whenever the 
member makes an election under subsection (a)(3)(B) for insurance 
of the member in an amount that is less than the maximum 
amount provided under subsection (a)(3)(A)(i), the Secretary con-
cerned shall notify the member’s spouse, in writing, of that elec-
tion— 
‘‘(A) in the case of the first such election; and 
‘‘(B) in the case of any subsequent such election if the 
effect of such election is to reduce the amount of insurance 
coverage of the member from that in effect immediately before 
such election. 
‘‘(3) In the case of a member who is married and who is 
insured under this section, if the member makes a designation 
under section 1970(a) of this title of any person other than the 
spouse or a child of the member as the beneficiary of the member 
for any amount of insurance under this subchapter, the Secretary 
concerned shall notify the member’s spouse, in writing, that such 
a beneficiary designation has been made by the member, except 
that such a notification is not required if the spouse has previously 
received such a notification under this paragraph and if immediately 
before the new designation by the member under section 1970(a) 
of this title the spouse is not a designated beneficiary of the member 
for any amount of insurance under this subchapter. 
‘‘(4) A notification required by this subsection is satisfied by 
a good faith effort to provide the required information to the spouse 
at the last address of the spouse in the records of the Secretary 
concerned. Failure to provide a notification required under this 
subsection in a timely manner does not affect the validity of any 
election specified in paragraph (1) or (2) or beneficiary designation 
specified in paragraph (3).’’. 
SEC. 5. INCREMENTS OF INSURANCE THAT MAY BE ELECTED. 
(a) INCREASE IN INCREMENT AMOUNT.—Subsection (a)(3)(B) of 
section 1967 of title 38, United States Code, is amended by striking 
‘‘member or spouse’’ in the last sentence and inserting ‘‘member, 
be evenly divisible by $50,000 and, in the case of a member’s 
spouse,’’.
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(b) EFFECTIVE DATE.—The amendment made by subsection (a) 
shall take effect as of September 1, 2005.
Speaker of the House of Representatives.
Vice President of the United States and
President of the Senate.