Individuals may elect in writing to be covered for a lesser amount or no coverage. SGLI coverage is available in $50,000 increments up to the maximum of $400,000.
Full-time Servicemembers on active duty are covered 365 days per year. Coverage is in effect during the period of active duty or inactive duty training and for 120 days following separation or release from duty. Reservists or National Guard members who have been assigned to a unit in which they are scheduled to perform at least 12 periods of inactive duty that is creditable for retirement purposes are also covered 365 days of the year and for 120 days following separation or release from duty.