After separating from active duty, when does Servicemember's Group Life Insurance (SGLI) coverage terminate?

Servicemember's Group Life Insurance (SGLI) provides life insurance coverage for active duty servicemembers, and it is important to know the terms of coverage termination after leaving active duty. Upon separation, the SGLI coverage remains effective for a period of 120 days. This allows servicemembers time to transition to civilian life and consider their insurance options without immediately losing their coverage.

The 120-day window is significant as it provides peace of mind during the transition period, affording servicemembers the opportunity to secure alternative insurance without the risk of being uninsured in the immediate aftermath of their service. After this period, the coverage will terminate unless the servicemember takes action to convert their SGLI to a commercial policy or enroll in another type of insurance.

Understanding this timeframe is essential for servicemembers to ensure they have adequate life insurance coverage as they navigate the transition to civilian life.