SGLI is a program of low-cost group life insurance for servicemembers on active duty, ready reservists, members of the National Guard, 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.
The maximum SGLI payment is $400,000 unless the member elected a lesser amount or declined coverage in writing. Monthly premium payments for the level of coverage selected by the member were automatically deducted from the member’s pay. Determination and payment of proceeds are made by the Office of Servicemembers’ Group Life Insurance under the jurisdiction of the Department of Veterans Administration.
Proceeds from SGLI to a beneficiary are exempt from taxation. The insured member may have designated as principal or contingent beneficiary any person, firm, corporation or legal entity, including their estate, individually or as a trustee. If the member designated a trust, they indicated the name and date of the trust in the beneficiary block. If the member designated a trust through a Will, they annotated "Last Will and Testament" in the beneficiary block. If the member chose not to designate a specific beneficiary but preferred the proceeds be paid in the order of precedence, the member selected the "By Law" designation. When the "By Law" designation is used, the proceeds are automatically paid in the following order of precedence:
If there is no spouse, to the child or children of the member in equal shares, with the share of any deceased child to be distributed among the descendants of that child.
If there is no surviving spouse or children, it is payable to the parent or parents in equal shares.
The claim form required to apply for this benefit is VA Form SGLV 8283, Claim for Death Benefits. For active duty deaths, the assigned Casualty Assistance Calls Officer (CACO) will assist you in completing and submitting the claim form. For Reserve Component or other category of servicemember, please contact the Regional Casualty Office servicing your area or contact Navy Casualty Operations at 1-800-368-3202 for assistance.