How many days after separating from active duty does Servicemember's Group Life Insurance (SGLI) coverage terminate?

Servicemembers' Group Life Insurance (SGLI) coverage terminates 120 days after a service member separates from active duty. This provision ensures that service members have a reasonable period during which they can transition to civilian life while still having life insurance coverage. The intent is to provide temporary financial security for the veteran and their family during this period of adjustment, allowing them time to explore their options for continued insurance coverage or other benefits.

Understanding this timeframe is important for service members as they plan for their post-military life, ensuring they are aware of when their SGLI coverage ends and the need to seek alternative insurance options before that deadline. This knowledge also helps to avoid potential gaps in coverage that could leave them or their beneficiaries vulnerable during this transition period.