SGLI & VGLI Beneficiary Designations

SGLI is a Department of Veterans Affairs program that provides low cost group life insurance to members of the Uniformed Services, including commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration, cadets and midshipmen of the service academies. Members are automatically insured under Servicemembers' Group Life Insurance (SGLI) for the maximum amount of $400,000 unless an election is filed reducing the insurance by $50,000 increments or canceling it entirely.


VGLI is a life insurance program which allows servicemembers to convert their SGLI coverage to renewable term insurance. Members with full-time SGLI coverage are eligible for VGLI upon release from service. VGLI, like SGLI, is overseen by the Department of Veterans Affairs, but is administered by the Office of Servicemembers' Group Life Insurance. VGLI coverage is issued in multiples of $10,000 up to a maximum of $400,000. A servicemember's VGLI coverage amount, however, cannot exceed the amount of SGLI they had in force at the time of separation from service.


Like other insurance policies, SGLI and VGLI have beneficiary designations so that your loved ones can receive policy proceeds at the time of death. To save your family stress at a very challenging time, you can upload these beneficiaries designations for easily retrieval.