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Life Insurance

CHAPTER 4. Restoration and Request for Coverage



a. After a servicemember has chosen to have a reduced amount of SGLI coverage, a change in duty status will automatically increase SGLI coverage back to the maximum level without evidence of good health. The member is not required to complete SGLV Form 8286 in this situation.  Example:  A Ready Reservist reduced his SGLI coverage to $200,000 upon entering the Ready Reserves.  He is called to active duty for a one-year period.  His coverage automatically increases the maximum SGLI coverage level.  His coverage will remain at the increased coverage level even when member returns to Reserve status unless a new reduction or declination of SGLI coverage is completed.  If this same member reduces his SGLI coverage to $200,000 while serving his one year on active duty, the member’s coverage will again increase to the maximum coverage level when he returns to Reserve status because this is a change of duty status from active duty to reserves,

b. The member's insurance coverage and beneficiary designation are automatically restored as of the date the member is restored to duty with pay, if coverage was terminated because of:

(1) Absence without leave;
(2) Confinement by civil authorities under a sentence adjudged by a civilian court; or
(3) Confinement by military authorities under a court-martial sentence involving total forfeiture of pay and allowances.


a. If a member elects to cancel or reduce SGLI coverage and later wants to obtain or increase his or her SGLI coverage:

(1) members with full-time SGLI coverage must request the coverage in SOES

(a) If all medical questions are answered “NO” the coverage will be automatically updated in SOES. 

(b) If any of the medical questions are answered “YES” the form will be sent to OSGLI for review and decision. Premium deductions will not change until the decision is received from OSGLI.

(2) members with part-time coverage must request the coverage on form SGLV 8286, Servicemembers’ Group Life Insurance Election & Certificate. (See Appendix A)

(a) The SGLV Form 8286 should be completed and signed by the member in the presence of an authorized representative of his or her uniformed service, who should then complete the certification below the member's signature. In accordance with the instructions on the form, if all medical questions are answered "NO" the form should be filed in the members' personnel file and action initiated to withhold premium payments effective the date the form is received by the branch of service.

(b) If any of the medical questions are answered "YES" the form should be sent to the OSGLI for review and decision. Premium deductions should not be made until the decision is received from the OSGLI.

(c) Both the member and the uniformed service concerned will be advised of the acceptance or rejection of the application by the OSGLI.

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