All members of the uniformed services, including service academy cadets are automatically insured under Servicemember’s Group Life Insurance (SGLI) for $250,000, unless they elect in writing to be covered for a lesser amount, or not to be covered at all.

Full-time coverage is also provided, under certain conditions, for (1) persons who volunteer for assignment to the Ready Reserve of a uniformed service, and (2) persons assigned to or who, upon application, would be eligible for assignment to the Retired Reserve of a uniformed service and have completed at least 20 years of satisfactory service creditable for retirement purposes but have not begun receiving retired pay.

Part-time coverage is provided, under certain conditions, to members of the Reserves who do not qualify for full-time coverage.

SGLI has no loan, cash, paid-up or extended values.

SGLI is provided at no cost for 120 days following an individual’s separation or retirement from active duty.

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