What Is Continued Military Life Insurance?
Continued military life insurance (CMLI) is a program that allows active duty service members to keep their life insurance coverage when they leave the military. It extends the original policy for a set period, typically up to 20 years, so that families retain protection during the transition to civilian life.
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Eligibility Requirements
To qualify, a service member must:
- Be separating from active duty or be a former service member in good standing.
- Have a current military life insurance policy, such as Servicemembers' Group Life Insurance (SGLI) or the new Servicemembers' Group Life Insurance (SGLI) program.
- Apply within the designated window, usually within 60 days of separation.
Certain medical conditions may affect eligibility or premium rates. The policyholder must also meet the same underwriting criteria as the original policy.
How the Application Process Works
1. Gather Documents: Provide separation orders, current policy statement, and identification.
2. Submit the Form: Complete the CMLI application online or through a local Veterans Affairs office.
3. Underwriting Review: The insurer evaluates medical history and service records.
4. Approval and Premium Setup: Once approved, premiums are set and the policy continues for the chosen term.
Benefits of Maintaining Coverage
• Financial Security: Guarantees that beneficiaries receive a death benefit if the policyholder passes away.
• Fixed Premiums: Premium rates remain consistent with the original policy, preventing future increases.
• Flexibility: Policyholders can choose the coverage amount and term length, up to 20 years.
Common Questions About CMLI
Can I switch to a civilian insurer instead? Yes, but you would need to reapply and may face higher rates.
What happens if I become ill? Certain illnesses may affect renewability or require additional medical exams.
Is there a cost to extend coverage? Premiums are paid monthly or annually, based on the selected coverage and term.
How to Get Started
Visit the official military insurance portal or contact a local VA representative. Prepare your separation documents, review your current policy details, and submit the CMLI application before the deadline to avoid gaps in coverage.