Understand SGLI, TRICARE, and your civilian options. Compare providers, check eligibility, and protect what matters - without the jargon.
Everything sailors need to know, organized by coverage type.
SGLI, VGLI, and civilian supplements explained. Coverage limits, costs, and who qualifies.
Learn moreTRICARE plans for active duty, reserves, and veterans. Compare Prime, Select, and VA options.
Learn moreMilitary discounts, deployed vehicle storage policies, and on-base coverage rules.
Learn moreOn-base and off-base coverage. What BAH pays for, and what you still need to protect.
Learn moreVA disability ratings, DIC benefits, and private disability coverage for when VA isn't enough.
Learn moreWhat SGLI covers in combat zones. FSGLI family coverage and pre-deployment checklist.
Learn moreNavy sailors at every rank have different coverage needs - and most are overpaying or under-covered. Our free savings calculator shows exactly where you stand in 2 minutes.
Estimated annual savings vs. unconfigured civilian plans. Individual results vary.
Get the right coverage in three simple steps.
Answer 3 quick questions to see which programs you qualify for - SGLI, TRICARE, VA healthcare, and more.
Side-by-side comparisons of government and civilian insurance options with real costs and coverage details.
Connect with military-specialist providers to get the right coverage at rates designed for service members.
The 120-day conversion window is the most missed deadline in Navy separations.
| Feature | SGLI Active Duty | VGLI |
|---|---|---|
| Who Qualifies | Active-duty sailors | Separated members (120 days) |
| Max Coverage | $500,000 | $500,000 |
| Monthly Cost | ~$30/mo flat | $38-$840/mo (age-based) |
| Health Exam | None required | None within 240 days |
| Deployment Coverage | Full combat coverage | N/A (veteran) |
I had no idea I could keep comprehensive-only coverage on my car while deployed. Saved me $60/month last deployment.
The SGLI vs VGLI breakdown finally made sense of my separation paperwork. I enrolled in VGLI the same day before the window closed.
As a Navy spouse, I didn't know FSGLI covered me. $100,000 for about $5/month - my husband set it up before his last deployment.
Our sister site provides the same military-first insurance guidance for Army soldiers and veterans.
Visit Insure.ArmyState laws and base-specific rules affect your coverage. Find your guide.