Soldiers and Life Insurance

By May 27, 2018War

Memorial Day is an American holiday, observed the last Monday every May, honoring all men and women who died while serving a stint in the United States military.

Since it’s Memorial Day weekend when I’m writing this article, I thought I’d take some time to write an applicable article on U.S. Soldiers and life insurance.

This life insurance article will discuss the following:

  • Gen X soldier reflections and military campaigns
  • Life Insurance and U.S. soldiers
  • Supplemental life insurance for U.S. soldiers.

If you would like to proceed directly to getting life insurance quotes instead of reading the remainder of this article on Soldiers and Life Insurance, the life insurance quoter is here.

Generation X Soldiers, Reflections and Military Campaigns:

In 2001, after 9/11, I really wanted to join the military, specifically the Army. I was a sophomore in college, and I really felt like it’s something I wanted to do. I was eventually talked out of joining the military by family and friends—it’s one of the biggest regrets in my life. Now, being 37 (turning 38 soon), and married with a budding family, it’s too late.

I have friends in the military who served in the 2001 invasion of Iraq whom I really admire and appreciate.

There are many Gen Xers in their late 40’s and early 50’s who served in the 1990 to 1991 Gulf War in Iraq, coined Operation Desert Shield.

The 1990-1991 Gulf War, the September 11 2001 bombing of the World Trade Center Towers and Pentagon, and the 2003-2011 Second Gulf War (and corresponding fighting in Afghanistan) are Gen X’s biggest military campaigns.

So, what about Soldiers and Life Insurance?

The United States Government actually does a great job in providing life insurance for active soldiers and former soldiers.

The United State Government provides life insurance to active and former soldiers in the following ways:

  • SGLI—According to this source, “the SGLI (service members’ group life insurance) is a VA program that provides low cost group life insurance to all military members. Members are automatically insured under Servicemembers’ Group Life Insurance (SGLI) for the maximum amount of $400,000 unless you choose otherwise. SGLI also includes Traumatic Injury Protection. This coverage provides service members protection against loss due to traumatic injuries and is designed to provide financial assistance to members so their loved ones can be with them during their recovery from their injuries.  The coverage ranges from $25,000 to $100,000 depending on the nature of the injury. SGLI costs 7 cents per $1,000 of coverage, or $29 per month for the maximum of $400,000. When you get out of the military your SGLI will stay in effect for 120 days after your discharge.” Furthermore, when you are no longer active in the military and no longer qualify for SGLI, you are eligible for life insurance under Veterans Group Life Insurance.
  • VGLI—According to this source, “VGLI (Veterans Group Life Insurance) is a life insurance program which allows servicemembers to convert their SGLI coverage to renewable term insurance. VGLI coverage is issued in multiples of $10,000 up to a maximum of $400,000. However, a servicemember’s VGLI coverage amount cannot exceed the amount of SGLI they had in force at the time of separation from service.”

Both SGLI and VGLI are run and administered by the Department of Veteran Affairs (VA).

All in all, active members of the military as well as former soldiers can have up to $400,000 worth of life insurance at a very reasonable rate through these two government-run programs.

So, what about supplemental life insurance for soldiers in addition to that offered and provided by the SGLI and VGLI?

Yes, of course, both active and former U.S. military members are eligible for supplemental life insurance on the private market in addition to the up to $400,000 life insurance coverage accessible to them under the SGLI and VGLI.

Granted, it will be easier for former soldiers to receive the coverage then current soldiers because of the war exclusion clause which is present in many life insurance contracts with traditional life insurance companies.

To get supplemental life insurance coverage, active and former military would need to apply for life insurance just like anyone else. Get Quotes, Submit an Application, Pay the Premium, Receive the Life Insurance Coverage.

I hope this has been a helpful article on soldiers and life insurance.

All in all, for active and former military, the first place to look for life insurance coverage is the SGLI and the VGLI which can provide up to $400,000 life insurance for your family at a solid rate. Both SGLI and VGLI are government programs, run by the Department of Veteran Affairs (VA).

If you are active or former military and need life insurance in addition to that, you can generate your own life insurance quotes here. Just enter how much life insurance you want in the life insurance quoter, your height, weight, etc., and you’ll be able to generate your own life insurance quotes from around 20 A-rated life insurance companies (including Prudential, Banner Life, John Hancock, etc.) within about five minutes of your time.

However, if you prefer to discuss your life insurance needs with me directly instead of generating your own life insurance quotes, email me at, contact me through linkedin, or message me here, and we can set up a time to discuss your life insurance needs.


Until next time and until next life insurance article,


Robert Weigel

Term Life Insurance Agent for Generation X



Author rweigel12

I'm an Insurance Agent.

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