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Government Life Insurance


Government Life Insurance refers to life insurance policies provided by the U.S. federal government specifically for military personnel, veterans, and their dependents. These policies are designed to offer financial protection and support to the beneficiaries in the event of the policyholder’s death. The most commonly known types of these policies are Servicemembers’ Group Life Insurance (SGLI), Veterans Group Life Insurance (VGLI), and Family Servicemembers’ Group Life Insurance (FSGLI).

Key Takeaways

  1. Government Life Insurance policies are specifically designed for veterans, active duty and reserve service members, and their families, offering financial protection and peace of mind.
  2. There are various types of life insurance plans available through the VA, such as Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), and Family Servicemembers’ Group Life Insurance (FSGLI), each tailored to cater to different needs of eligible members.
  3. In addition to financial security, many VA life insurance policies offer additional benefits like accelerated benefits, service-disabled insurance, and supplemental coverage to ensure that policyholders and their families receive comprehensive support in challenging times.


Government Life Insurance is an essential term in the context of VA benefits, as it refers to the life insurance policies provided by the government specifically for veterans, their families, and service members.

These life insurance policies ensure financial protection for beneficiaries in the case of the policyholder’s death.

They cater to the unique needs of military personnel, taking into consideration the various risks and challenges they may encounter during their service.

Because military personnel might face difficulty obtaining private life insurance policies due to the nature of their career, Government Life Insurance helps to bridge this gap, offering accessible and affordable coverage options.

Thus, this term is of great importance to veterans and their families when seeking financial security and safeguarding their future.


Government Life Insurance serves as a crucial financial support system for veterans, active service members, and their families, specifically designed to ensure their financial stability and security. Recognizing the unique challenges and risks faced by those in the military, it’s essential to provide comprehensive insurance coverage that caters to their distinct needs and circumstances.

The main purpose of this unique life insurance is to offer a favorable and affordable option for veterans and service members to secure their financial future and obtain peace of mind knowing that their loved ones are protected in the event of a tragedy or untimely death. One of the primary uses of Government Life Insurance is to provide financial assistance in the form of death benefits to the beneficiaries of the insured individual.

These benefits are intended to cover expenses associated with the loss of a loved one, such as funeral costs, outstanding debts, and sustaining the family’s standard of living. In addition to death benefits, some Government Life Insurance policies may offer living benefits, enabling the policyholder to access a portion of their insurance benefits during their lifetime under specific circumstances.

This feature bolsters financial resilience in the face of unexpected crises, like serious illness or injury. Ultimately, Government Life Insurance plays a crucial role in safeguarding the well-being of military families by offering coverage tailored to their needs and ensuring that they can overcome financial hurdles both during and after their service.

Examples of Government Life Insurance

Servicemembers’ Group Life Insurance (SGLI): SGLI is a government-provided life insurance program for eligible active-duty servicemembers, National Guard members, reservists, and cadets of the U.S. Army, Navy, Air Force, Coast Guard, and NOAA. It offers coverage up to $400,000, with the option for servicemembers to select their desired coverage amount. This government life insurance program provides financial protection to servicemembers and their families in the event of the insured individual’s death.

Veterans’ Group Life Insurance (VGLI): VGLI is an extension of the SGLI program designed to provide coverage for veterans after they leave active service or upon the expiration of their SGLI coverage. VGLI allows for coverage amounts up to the maximum coverage held under SGLI, and rates are based on the veteran’s age. Veterans can apply for VGLI within one year and 120 days of discharge from active service, and conversion to a commercial policy is possible under certain conditions.

Service-Disabled Veterans’ Life Insurance (S-DVI): S-DVI is a government life insurance program specifically designed for veterans who have received a service-connected disability rating from the Department of Veterans Affairs (VA). This program offers coverage up to $10,000, with premiums waived for veterans who are completely disabled. Eligible veterans must apply for S-DVI within two years of receiving their service-connected disability rating from the VA. Additionally, veterans with S-DVI policies may also be eligible for supplemental coverage up to $30,000 through the Veterans’ Special Life Insurance (VSLI) program.

FAQs on Government Life Insurance

1. What is Government Life Insurance?

Government Life Insurance is a life insurance program provided by the U.S. Department of Veterans Affairs (VA) for eligible service members, veterans, and their families. It aims to offer financial security to the beneficiaries in case of the insured’s death or provide specific benefits to the insured if they have any service-connected disabilities.

2. Who is eligible for Government Life Insurance?

Eligibility for Government Life Insurance depends on various factors such as military service, service-connected disabilities, enrollment in the VA health care system, and other criteria. Generally, active duty or reserve members, veterans with an honorable discharge, and some eligible spouses and dependents may qualify for various VA life insurance programs.

3. What types of Government Life Insurance programs are available?

There are multiple life insurance programs available for eligible individuals, including Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), Service-Disabled Veterans’ Insurance (S-DVI), Family Servicemembers’ Group Life Insurance (FSGLI), and Veterans’ Mortgage Life Insurance (VMLI). Each program has specific eligibility criteria and benefits.

4. How do I apply for Government Life Insurance?

To apply for Government Life Insurance, you need to determine your eligibility and choose the appropriate program. You can visit the VA’s official website to learn about the specific programs, their eligibility criteria, and the application process. In general, you may apply online, by mail, or in person at a regional VA office, depending on the program.

5. Can I change my beneficiary?

Yes, you can change your beneficiary for your Government Life Insurance policy at any time. To do so, you must complete and submit the appropriate beneficiary designation form, available on the VA’s official website or at a regional VA office. The changes will only take effect once the form is received and processed by the VA.

6. Does Government Life Insurance provide coverage for a spouse and children?

Yes, some Government Life Insurance programs provide coverage for a spouse and children. Specifically, Family Servicemembers’ Group Life Insurance (FSGLI) offers life insurance for the spouses and dependent children of eligible service members. Eligibility criteria, coverage amounts, and premiums may vary based on the service member’s coverage and status.

Related VA Benefit Terms

  • Service-Disabled Veterans Insurance (SDVI)
  • Veterans Mortgage Life Insurance (VMLI)
  • Family Servicemembers’ Group Life Insurance (FSGLI)
  • Veterans’ Group Life Insurance (VGLI)
  • Servicemembers’ Group Life Insurance (SGLI)

Sources for More Information