Life Insurance for Defense Personnel (Discounts & Rates)

Life insurance for defense personnel is offered both by the government and some private insurers. Military personnel gets term life insurance through the VA via the SGLI program. Civilian DOD personnel get term life insurance through the government via the FEGLI program. For military members, private insurance companies may not provide coverage while they are serving in war zones. For civilian members, many private insurers may offer more affordable coverage in the long term.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 21, 2021

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The Highlights

  • Civilian defense personnel are offered life insurance directly through the VA with the FEGLI program
  • Military personnel are offered life insurance through the SGLI program
  • Some private companies will offer life insurance to defense personnel
  • Very few private life insurance companies provide coverage to military members serving in active war zones

Employees of the department of defense are entitled to life insurance for defense personnel.

Depending on your position, different groups offer these life insurance policies both within the government and some private insurers.

Keep reading to learn more about life insurance options for defense personnel and how they rate compared to private policies.

Ready to buy life insurance for defense personnel? Enter your ZIP code above, and we will help you find local life insurers that fit your needs.

Who offers the most affordable life insurance for defense personnel?

The answer to this depends not only on individual circumstances but also on your individual job title. According to the DOD, they employ well over two million people.

This includes uniformed members of the military and civilians all over the globe and at home.

The life insurance options for these two groups are vastly different. Armed forces life insurance is provided through the Servicemembers Group Life Insurance program.

Civilians get life insurance through the Federal Employee Group Life Insurance program.

Military Life Insurance Rates

Members of the armed forces are provided life insurance coverage through the SGLI. This program automatically enrolls eligible uniformed service members and provides term life insurance.

Some private companies offer coverage for military members, like USBA. We’ve compared their rates below.

USBA vs. SGLI Average Monthly Rates by Policy Amount
Coverage AmountUSBA Average Monthly RatesSGLI Average Monthly Rates
$100,000$6.67$7
$200,000$13.33$13
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It should be noted that SGLI does not gender their rates. That means men and women pay the same amount for the same coverage.

USDA does gender their rates, so individual rates for men may be higher based on their internal calculations.

Civilian Life Insurance Rates

For civilian members of the DOD, FEGLI would be the default program offered by the government to provide life insurance.

This program offers term life insurance that the government partially subsidizes if you choose their Basic Plan.

WAEPA vs. FEGLI Average Monthly Rates by Policy Amount
Coverage AmountWAEPA Average Monthly RatesFEGLI Average Monthly Rates
$100,000$3.50$16.90
$200,000$7$33.15
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*FEGLI provided coverage of $104,000 and $204,000. As it is based on salary, this was the closest approximation.

As you can see, FEGLI does not provide the most affordable coverage for term life insurance.

However, while FEGLI may not be as affordable as private insurers, it does not have any health restrictions or pricing for high-risk individuals.

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Do defense personnel need special life insurance?

If you are an active member of the military, you do need special life insurance. Many life insurance companies, like Globe Life, will not cover a death that occurs while a member is serving in war or combat zones.

Before you start shopping for life insurance, contact the armed forces insurance phone number to better understand the coverage you already have just for being a military member.

If you are looking for life insurance outside of SGLI, you want to take the time to check what coverage they offer. Many private life insurance companies do not cover those in war zones.

While this can make shopping for insurance more challenging, it should not dissuade you from comparing quotes from as many companies as you can.

If you are an employee of the DOD, life insurance shopping can be a bit more complicated, so it’s best to start right away.

Enter your ZIP code below to find life insurance quotes for defense personnel near you.

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