Accessing and managing SGLI while you’re serving
What kind of life insurance benefits can I get with SGLI?
You can get:
Coverage up to the top limit of $400,000—in $50,000 increments120 days of free coverage from the date you left the militaryExtension of free coverage for up to 2 years (if you’re totally disabled) when you leave the military. See below for information on the SGLI-Disability ExtensionPart-time coverage (if you’re a Reserve member who doesn’t qualify for full-time coverage)
How do I get these benefits?
If you qualify for SGLI, we’ll automatically sign you up through your service branch. See your unit’s personnel office for more information.
Can I make changes to my benefits?
Yes. You can choose your level of coverage or even refuse coverage completely. You can also choose your beneficiaries (the people you pick to get the money from your life insurance policy if you die) and change them as needed.
How to change your beneficiaries—or reduce, turn down, or restore your SGLI coverage
If you’re a member of the Army, Navy, Air Force, Marines, Coast Guard, or National Oceanic and Atmospheric Administration, please submit your changes online through the SGLI Online Enrollment System (SOES). To access SOES:
Go to Benefits, Life Insurance SOES-SGLI Online Enrollment System.
Check your coverage and beneficiary information and make any needed updates.
You can log in with your CAC or DS Logon using Internet Explorer as soon as you receive a notice that you can start using SOES.
If you’re a member of the Public Health Service, please submit your changes by filling out the Servicemembers’ Group Life Insurance Election and Certificate (SGLV 8286) and giving it to your unit’s personnel officer. Download SGLV 8286 (PDF)