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Life Insurance

Benefit Category: Federal

Benefits

VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA’s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

  1. Servicemembers' Group Life Insurance (SGLI) is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.  Coverage is automatic for most active duty Servicemembers, Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the U.S. military academies, and ROTC members. Learn More
  2. Veterans' Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.  Learn More
  3. Family Servicemembers' Group Life Insurance (FSGLI) insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember's coverage. Dependent children are automatically covered at no charge.  Term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI. Learn More
  4. Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides payments to Servicemembers who suffer losses, such as amputations, blindness, and paraplegia, due to traumatic injuries that occur in service.  All Servicemembers insured by SGLI are automatically covered by TSGLI. Learn More
  5. Service-Disabled Veterans' Life Insurance (S-DVI) provides life insurance coverage to Veterans who have been given a VA rating for a new service-connected disability in the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance.  Servicemembers who were released from active duty under other than dishonorable conditions after April 25, 1951, AND have been granted service connection for any disability (even 0 percent) within the last two years, AND are in good health except for any service connected conditions may be eligible. Learn More
  6. Veterans' Mortgage Life Insurance (VMLI) provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.  VMLI is available to Veterans who received a Specially Adapted Housing Grant (SAH), have title to the home, and have a mortgage on the home. Learn More

Recently Separated

Are you a service member who has been recently assigned to the Individual Ready Reserves (IRR) or retired? Then there’s important insurance information you need to know. Your Servicemembers’ Group Life Insurance (SGLI) coverage will end 120 days after the date you were assigned to the IRR or retirement list. 

You must apply within one year and 120 days from discharge. However, Veterans who submit their application within 240 days of discharge do not need to submit evidence of good health. Veterans who apply after the 240-day period must submit evidence of good health. If you have medical conditions that may make you uninsurable, you should protect yourself and apply within 240 days from separation because there is no health review during this period.

  • Apply for VGLI Online
    You can apply for VGLI online. The online application will walk you through each step of the application process. OSGLI will instantly evaluate your application and let you know if your coverage is approved or if your application needs further review. Follow this link to apply for VGLI online.

News about Life Insurance

Are you a service member who has been recently assigned to the Individual Ready Reserves (IRR)? Then there’s important insurance information you need to know. Your Servicemembers’ Group Life Insurance (SGLI) coverage will end 120 days after the date you were assigned to the IRR.

Discharge Requests

Most Veteran’s benefits require that applicants provide a copy of their Form DD 214 or discharge record, which is evidence of their veteran status. This is an important document and must be safeguarded. In the State of North Dakota separation documents are considered confidential and privileged NDCC 37-18-11 (13). National Guard members may receive a NGB22 and /or NGB23 upon obtaining 20 years of satisfactory service (20 year letter).