National service life insurance

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National Service Life Insurance (NSLI) is a program offered by the United States Department of Veterans Affairs (VA) that provides life insurance coverage to eligible veterans. This insurance program was established to support veterans and their families by providing financial protection in the event of the veteran’s death. In this article, we will explore the details of NSLI, including its benefits, eligibility requirements, coverage options, and how to apply.

Benefits of National Service Life Insurance

Financial Security for Veterans: NSLI offers veterans the opportunity to secure financial protection for their loved ones in the event of their death. This insurance coverage can help alleviate the financial burden on families during a difficult time.

Low Premiums: NSLI provides veterans with the option to obtain life insurance coverage at affordable premiums. The cost of NSLI is generally lower compared to private life insurance policies, making it an attractive option for veterans.

Convertibility: NSLI policies can be converted to permanent plans, such as Veterans’ Group Life Insurance (VGLI), without the need for a medical examination. This allows veterans to continue their life insurance coverage even after their service has ended.

Eligibility for National Service Life Insurance

Active Duty Service: Veterans who served on active duty in the United States Armed Forces and were discharged under conditions other than dishonorable are generally eligible for NSLI.

Service-Connected Disability: Veterans with service-connected disabilities may be eligible for NSLI coverage, regardless of the length of their service or the type of discharge.

Application Deadline: Eligible veterans must apply for NSLI within two years from the date of their discharge. However, veterans with service-connected disabilities have no time limit to apply.

Coverage Options

Basic Coverage: NSLI offers veterans the option to obtain basic coverage in increments of $10,000, up to a maximum of $400,000. The amount of coverage chosen will determine the premium amount.

Additional Coverage: Veterans can also apply for additional coverage called Supplemental Service-Disabled Veterans Insurance (SSDI). This coverage is available to veterans with service-connected disabilities and can provide an additional $30,000 in coverage.

Applying for National Service Life Insurance

Application Process: Veterans can apply for NSLI by completing VA Form SGLV 8286, which is available online or through a VA regional office. The completed form should be submitted to the Office of Servicemembers’ Group Life Insurance (OSGLI).

Premium Payments: NSLI premiums can be paid through various methods, including payroll deduction, electronic funds transfer, or direct billing. Veterans can choose the most convenient payment option for them.


National Service Life Insurance provides veterans with an affordable and accessible life insurance option. It offers financial security to veterans and their families, ensuring that they are protected in the event of the veteran’s death. Eligible veterans can take advantage of the low premiums, convertibility options, and additional coverage offered by NSLI. Applying for NSLI is a straightforward process, and veterans should consider exploring this insurance program to secure their loved ones’ future.