Servicemembers' Group Life Insurance (SGLI)

What is SGLI?
SGLI is a program of low cost group life insurance for servicemembers on active duty, ready reservists, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the four service academies, and members of the Reserve Officer Training Corps.

How Much Coverage is Available?
SGLI coverage is available in $50,000 increments up to the maximum of $400,000.

How Much Does SGLI Cost?
SGLI premiums are currently $.065 per $1,000 of insurance, regardless of the member's age. Follow this link to view a table of SGLI premium rates at different coverage levels.

How Much Life Insurance do I Really Need?
We can help your figure out how much insurance you need. To assess your life insurance needs, follow this link to our Insurance Needs Calculator.

SGLI Conversion Feature
Servicemembers with SGLI coverage have two options available to them upon release from service. They can convert their full-time SGLI coverage to term insurance under the Veterans' Group Life Insurance program or convert to a permanent plan of insurance with one of the participating commercial insurance companies. Follow these links for:

- More information about converting to VGLI
- More information about converting to a commercial plan of insurance

SGLI Premium Rates

What is the current rate? - The current premium rate is 6.5 cents per $1000 of insurance.

When did the current rate go into effect? - The current rate went into effect on July 1, 2003.

Basic SGLI Premium Rates at Different Levels of Coverage

($50,000 coverage increments effective 9/1/2005)

Coverage Amount

Monthly Premium Rate

















If you have questions - Use one of the following links for answers to SGLI Frequently Asked Questions or to view SGLI premium rates. You will also find a comprehensive overview of the SGLI program in the SGLI/VGLI Handbook. If you can't find the information that you're looking for on this site, please contact the appropriate office listed below.

Servicemembers should contact their Unit for changes to Basic SGLI or Family SGLI coverage.

Servicemembers should contact their Flight, Payroll and/or Finance Office for SGLI and Family SGLI premium payment information or SGLI and Family SGLI premium refunds.

Servicemembers and their beneficiaries should call, email or write the Office of Servicemembers' Group Life Insurance (OSGLI) for pending SGLI or Family SGLI claims.

OSGLI can be reached by:

Toll-free telephone: 1-800-419-1473

General Correspondence:
290 West Mt. Pleasant Avenue
Livingston, New Jersey 07039

New VGLI Applications and VGLI Reinstatements:
P.O. Box 41618
Philadelphia, PA 19176-9913

Toll-free fax numbers:
Death and accelerated benefits claims only: 1-877-832-4943

All other fax inquiries: 1-800-236-6142

Phone Number: 973-548-5699
Fax Number: 973-548-5300

Death and accelerated benefits claims only: osgli.claims@prudential.com

All other inquiries: osgli.osgli@prudential.com

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