What veterans need to know about

What veterans need to know about SGLI


Military SGLI insurance blog post

Servicemembers’ Group Life Insurance (SGLI) is a military life insurance program that provides coverage to eligible members of the military service while they are serving. Those who qualify for SGLI are automatically enrolled and don’t need to apply for coverage. SGLI premiums are automatically deducted from base pay each month. See this chart for SGLI monthly life insurance rates.

Eligible service members are automatically issued the maximum amount of $500,000.1 Coverage is available in $50,000 increments up to $500,000.

If you need more than $500,000 of life insurance to protect your family, you can supplement SGLI with coverage from USBA. Founded in 1959, USBA is a nonprofit organization that specializes in offering life insurance for military families. USBA policies provide $25,000 to $500,000 in life insurance benefits.2 And, USBA’s policies do not carry a war clause as many mainstream life insurance products do.

This protection can be added to your SGLI or used as primary insurance. And because it’s portable, veterans can keep USBA protection without a gap after retiring or transitioning from the military. See all USBA portable life insurance policies.

Want help determining how much life insurance you and your family need? Use this Life Insurance Coverage Estimator. Contact a USBA Product Specialist at (877) 297-9235 9:00 am to 4:00 pm Central time, Monday through Friday.

On October 17, 2022 the Supporting Families of the Fallen Act was signed into law. The legislation increased insurance coverage from $400,000 to $500,000 for Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI). The increased maximum coverage is effective March 1, 2023.
The overall maximum coverage for each Member/Associate Member is $650,000 under all USBA-sponsored Group Life Insurance policies, with the option for those ages 69 and below, if approved, to add up to an additional $100,000 of Traditional Whole Life (G-10648-0), for a maximum of $750,000.

Uniformed Services Benefit Association (USBA) is a not-for-profit Association that provides group life insurance, health insurance supplements, and other products and services to military personnel, Federal employees, National Guard and Reserve members, Veterans and their families.

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