{"id":353835,"date":"2016-04-04T10:47:11","date_gmt":"2016-04-04T15:47:11","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/military\/administrative-issues-benefits\/military-insurance-resources-and-information.html"},"modified":"2016-06-20T20:25:06","modified_gmt":"2016-06-21T01:25:06","slug":"military-insurance-resources-and-information","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/military\/administrative-issues-benefits\/military-insurance-resources-and-information.html","title":{"rendered":"Military Insurance: Resources and Information"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Military Insurance: Resources and Information<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            June 20, 2016\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>Further, SGLI is temporary coverage. Like all employer group insurance, it terminates when you leave your employer. SGLI generously provides you with free coverage for 120 days after you separate from the military, but after that it\u2019s gone.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<p>Insurance can be an expensive proposition for anyone, and service members are no exception. For those in the military, insurance can be much more complex and much more important than a mere auto liability policy, given the hazards that service members can face. This is especially true for those that serve on the front lines, many of whom are 20 year olds who, much like their peers in the civilian world, often don&#8217;t give a lot of thought to their insurance policies.<\/p>\r\n<p>Fortunately, the more than 1.3 million American men and women that currently serve in the U.S. military have exclusive access to low cost policies that are relatively easy to access. Service members and their families enjoy a carefully woven safety net of life insurance, death gratuity, lifelong survivor benefits, financial counseling, and bereavement support, all tailored to meet the unique challenges of modern military life.<\/p>\r\n<h2>Servicemembers Group Life Insurance<\/h2>\r\n<p><a href=\"http:\/\/www.benefits.va.gov\/insurance\/\" target=\"_blank\" rel=\"noopener\">Servicemembers Group Life Insurance<\/a> (SGLI) is a VA program that provides low cost group life insurance to the following members of the military and other related federal agencies:<\/p>\r\n<ul>\r\n<li>Active duty service members<\/li>\r\n<li>Reservists and members of the National Guard who are scheduled to perform at least 12 periods of inactive training per year (weekend drills)<\/li>\r\n<li>Cadets\/midshipmen in U.S. military academies<\/li>\r\n<li>Cadets\/midshipmen in&nbsp; the Reserve Officers Training Corps (ROTC) program who are engaged in authorized training<\/li>\r\n<li>Servicemembers who volunteer for a mobilization category in the Individual Ready Reserve (IRR)<\/li>\r\n<li>Commissioned members of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS)<\/li>\r\n<\/ul>\r\n<p>SGLI is part of military members&#8217; employee benefit package. With a generous maximum death benefit of $400,000, plus a Service Death Gratuity of $100,000, it provides active-duty military members up to $500,000 of life insurance coverage.<\/p>\r\n<p>Covered members receiving SGLI pay a monthly premium automatically deducted from their base pay. The rate of the premium is currently $0.07 per $1,000 of coverage and includes $1 per month for Traumatic Injury Protection Coverage (TSGLI), but this can be changed in the future.<\/p>\r\n<h2>Supplemental Life Insurance<\/h2>\r\n<p>While half a million dollars sounds hefty, it may not be enough protection for most people. After all, the true purpose of life insurance is to provide an ongoing stream of income for your survivors &#8212; income that you would have provided had you lived.&nbsp;<\/p>\r\n<p>Because of this, you may want to consider supplemental life insurance in addition to SGLI. This article is just a brief introduction to life insurance for military members. Things like the difference between term life and permanent life insurance confound all insurance consumers. If working with an insurance agent, ask for clarification on terms like underwriting and rider policies.<\/p>\r\n<h2>Converting SGLI to Veterans Group Life Insurance<\/h2>\r\n<p>What should you do if you\u2019re leaving the military? Your SGLI coverage may be <a href=\"http:\/\/www.benefits.va.gov\/INSURANCE\/apply-for-VGLI.asp\" target=\"_blank\" rel=\"noopener\">converted to Veterans Group Life Insurance<\/a> (VGLI) or, if desired, to a commercial life insurance policy effective at the end of the 120-day SGLI extension period.<\/p>\r\n<p>VGLI is a great option for those service members separating or retiring who cannot medically qualify for a regular life insurance policy. You are guaranteed to be able to convert your SGLI to VGLI if you do it within the time frame, without medical underwriting.<\/p>\r\n<h2>Military Insurance Options<\/h2>\r\n<p>There are plenty of insurance companies that cater to the military or provide discounts. Here are a few options to consider when shopping for military insurance.<\/p>\r\n<ul>\r\n<li>United Services Automobile Association (<a href=\"https:\/\/www.usaa.com\/inet\/ent_logon\/Logon\" target=\"_blank\" rel=\"noopener\">USAA<\/a>) is a well known military insurance carrier. It offers a full range of financial products, including auto, life, homeowners, renters, and health insurance.<\/li>\r\n<li><a href=\"http:\/\/www.tricare.mil\/\" target=\"_blank\" rel=\"noopener\">Tricare<\/a> is a health care program that only serves uniformed service members, retirees and their families.<\/li>\r\n<li>GEICO has a history with the military and government employees. They offer discounts and have a dedicated <a href=\"http:\/\/www.geico.com\/information\/military\/military-center\/\" target=\"_blank\" rel=\"noopener\">Military Center<\/a> available.<\/li>\r\n<li>The Navy Federal Credit Union is another option for insurance policies for all branches of the military, plus Department of Defense employees.<\/li>\r\n<\/ul>\r\n<p>Still have military insurance questions? Call the Office of Servicemembers Group Life Insurance at 1-800-419-1473 or visit your local, supporting Military Personnel Office.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" 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fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div 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                 for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    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          class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        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A military law lawyer can help protect your rights during this process.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/military-law\/#USER_GEO\/?fli=esum:FL35\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                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          Military Family Law Issues\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/military\/administrative-issues-benefits\/military-administrative-issues.html\">\n                        Military Administrative Issues\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/military-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">General Military Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/military-divorce\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Military Divorce Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Service members enjoy a safety net of life insurance, death gratuity, lifelong survivor benefits, financial counseling and bereavement support.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":353821,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2745],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-353835","page","type-page","status-publish","hentry","category-military"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353835","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=353835"}],"version-history":[{"count":1,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353835\/revisions"}],"predecessor-version":[{"id":398421,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353835\/revisions\/398421"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/353821"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=353835"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=353835"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=353835"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=353835"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=353835"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}