Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 19, 2021

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The Brief

  • Employees of the defense department are provided with automatic group life insurance
  • Defense personnel can also purchase private insurance
  • Group life insurance rates are lower than private insurance rates
  • Group life insurance provided by the government is tied to employment

If you are an employee of the Defence Department, you are entitled to life insurance for defense personnel. There are federal programs available to provide you with term life insurance options that fit any budget.

Keep reading to learn more about these programs and who offers the most affordable coverage.

Before you read up on life insurance for defense personnel, enter your ZIP code above. We will help you find affordable life insurance that fits your budget.

What are the options for defense personnel life insurance?

Defense personnel refers to both civilians and members of the armed forces. For both of these groups, the government provides group term life insurance options through different programs.

For civilians, group term life insurance is provided through the FEGLI program. Armed forces life insurance is provided through the SGLI program.

SGLI’s armed forces insurance is provided through Veterans Affairs (VA), while FEGLI is run directly by the Offices of Federal Employee Group Life Insurance.

However, employees from both groups can look into a private life insurance company for defense personnel as well.

However, private insurance can be a tricker option for service members as many life insurance companies will not provide coverage outside the US or war zones.

However, if you are not serving in one of these dangerous areas, you can buy life insurance for defense personnel from almost any provider without worrying about coverage.

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Who offers the most affordable life insurance for defense personnel?

Let’s compare the average monthly life insurance rates for defense personnel. Here we have the government programs FEGLI and SGLI compared to some popular private alternatives, Haven Life and WAEPA.

Average Monthly Term Life Insurance Rates by Company
CompanyAverage Monthly Rates
SGLI$6
FEGLI Plan A$17.99
WAEPA$5
Haven Life$8.87 - $11.89
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As you can see, FEGLI and SGLI provide much more cost-effective coverage for their employees than Haven Life and are on par with what WAEPA offers.

However, it should be noted that the coverage that SGLI and FEGLI provide is tied to the policyholder’s employment with the federal government and the armed forces, respectively.

WAEPA offers fair insurance costs for a private company, but they do not provide coverage to those working in combat zones.

Private vs. Group Life insurance

If you are looking at the life insurance quotes for defense personnel, it seems obvious that going with the group term life insurance options is the best choice.

However, when you look at the big picture and consider the longevity of the coverage provided, private insurance, while more expensive, becomes more attractive.

While many defense personnel expects to remain employed with the DOD until they retire, that is not always the case.

Life insurance coverage that will move with your career is a good financial decision and a solid backup if things change in your life.

In addition, having life insurance after you retire is also beneficial, and there are many life insurance options for seniors.

Before making a final decision, it’s important to do your research. Servicemembers should contact the armed forces insurance phone number to better understand the coverage they have.

Federal employees should compare life insurance quotes from multiple companies and see what kind of coverage they can attain.

Do you want to start looking for life insurance for defense personnel today? Enter your ZIP code below, and we will help you find the right coverage for you.