Has Your SGLI Claim Been Denied?

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Denied SGLI Claim Lawyer

Denied Service Members Life Insurance Claim Lawyers

At the DiGeorge Life Insurance Law Firm, specialize in resolving denied Servicemembers’ Group Life Insurance (SGLI) claims to recover the policy benefits. Our firm and its denied SGLI claim lawyers are nationally recognized for their ability to overturn denials and help families recover the compensation rightfully owed to them.

Our services are specifically tailored to address the unique challenges that arise when dealing with denied SGLI claims. We know the ins and outs of military life insurance benefits and are adept at navigating the specific legal processes that impact service members and their beneficiaries.

Our commitment extends beyond simple legal advice; we aim to provide comprehensive support to the families of service members. Recognizing the critical role that SGLI benefits play in the financial security of military families, we dedicate ourselves to ensuring that our clients receive the benefits they are rightfully owed. At DiGeorge Law Firm, we stand with service members and their families, committed to delivering justice and restoring peace of mind.

What is SGLI (Servicemembers Group Life Insurance)?

Servicemembers’ Group Life Insurance (SGLI) is a program designed to provide low-cost term life insurance to active duty service members, including members of the reserves, the National Guard, and the Commissioned Corps of the NOAA and Public Health Service. SGLI is a key benefit that ensures service members can offer their families financial security at a minimal cost during their period of military service.

Eligibility for SGLI is automatic for all eligible service members unless they opt-out. The program offers coverage up to $400,000, and premiums are deducted directly from the service member’s pay. There is no need for a medical exam to qualify, making it accessible immediately upon service entry.

The significance of SGLI cannot be overstated. For many military families, it represents a critical safety net. In the event of a service member’s death, SGLI provides financial support to help cover immediate and future needs, ensuring that the family’s financial well-being is preserved. This coverage is especially vital considering the unique risks associated with military service.

How SGLI Differs from Typical Life Insurance Policies

Servicemembers’ Group Life Insurance (SGLI) differs from typical civilian life insurance policies. SGLI does not require medical underwriting or health examinations, allowing immediate coverage for service members, unlike other life insurance policies.

This type of life insurance offers guaranteed coverage up to $400,000, regardless of health status or risky occupations. SGLI features a simple premium structure, with premiums deducted directly from the service member’s pay, ensuring continuous coverage. Notably, Servicemembers’ Group Life Insurance does not include a “war exclusion” clause, providing coverage for deaths in war zones or during acts of war, unlike many civilian policies.

Reasons for SGLI Claim Denial

While Servicemembers’ Group Life Insurance (SGLI) provides comprehensive coverage for most service members, there are certain circumstances under which a claim may be denied. Understanding the reasons behind an insurance claim denial is crucial for both service members and their beneficiaries.

One of the primary reasons for Servicemembers’ Group Life Insurance claim denials is the failure to meet eligibility requirements. For instance, if the insured soldier was not;

  • on active duty or
  • in a qualified reserve status at the time of death,

the claim may be rejected.

Additionally, if the insured soldier’s death occurred during;

  • a period of unauthorized absence,
  • desertion,
  • or while the soldier was found guilty of treason, mutiny, or spying,

the claim may be denied.

Improper beneficiary designation is another common reason for Servicemembers’ Group Life Insurance claim denials. If the beneficiary was not properly designated or is deemed ineligible to receive benefits, the claim may be rejected. Conflicting beneficiary designations, such as those made “by law” versus “by will,” can also lead to claim denials or disputes among multiple beneficiaries.

In some cases, the cause of the insured soldier’s death may not be covered under the SGLI policy.

For example, if the death was the result of;

  • an illegal act,
  • misconduct,
  • or a hazardous hobby not covered under the policy,

the claim may be denied.

Additionally, if the insured soldier’s death was caused by the beneficiary (Slayer’s Rule) or was due to a pre-existing condition not disclosed during enrollment, the claim may be rejected.

Other reasons for denied claims include failure to provide required documentation or evidence to support the claim, errors or omissions in the enrollment form, misrepresentation or fraud during the enrollment process, and administrative errors by the military or the Office of Servicemembers’ Group Life Insurance (OSGLI).

What Does SGLI Not Cover

While SGLI coverage is expansive, there are some exclusions:

  • Death as a result of an illegal activity or misconduct.
  • Death caused by the beneficiary, unless the beneficiary is acquitted or not prosecuted.
  • Death as a result of a hazardous hobby, such as skydiving or rock climbing, unless it is part of the servicemember’s official duties.
  • Death due to a pre-existing condition that was not disclosed at the time of enrollment.

Can You Recover Benefits After Denied Life Insurance Claim?

The short answer is yes. It is important to note that even if a claim is initially denied, you have the right to file an appeal to the decision in hopes of recovering the policy benefits. The appeals process can be complex, and it is recommended that you seek the assistance of an experienced SGLI attorney to help you navigate the process and present the strongest possible case for coverage.

Do You Need to Hire an Attorney to Reverse Denied Claims or File an Appeal?

Handling an SGLI claims appeal without the help of life insurance attorneys can significantly reduce the chances of success and may jeopardize the beneficiary’s ability to receive entitled benefits. Self-represented beneficiaries may unknowingly make damaging statements, lack the legal knowledge to effectively argue their case, and struggle to interpret relevant laws and regulations. They may also fail to address core issues or present persuasive arguments in favor of coverage.

Our experienced SGLI claim lawyers possess in-depth knowledge of the claims process, case law, and strategies for recovering benefits. Our law firm has access to resources and networks that may help overturn your claim denial, including medical experts and investigators, to gather supporting evidence and reverse your denial.

With high stakes and potentially devastating consequences, beneficiaries are advised to seek lawyers experienced with addressing denied life insurance claims when appealing a VGLI or SGLI claim denial to maximize their chances of receiving the financial support they are entitled to during a difficult time.

How Our Insurance Lawyers Help Beneficiaries With SGLI Claims After Being Denied SGLI Benefits

At DiGeorge Law Firm, our lawyers provide comprehensive support to clients facing a denied SGLI claim. Our approach includes:

  • Reviewing and Analyzing Your Claim: We thoroughly assess your insurance claim and the reasons for denial, using our expertise to identify the best course of action.
  • Navigating Legal Procedures: Our lawyers guide you through the necessary legal steps to contest the insurance denial, including filing necessary paperwork and representing you in hearings.
  • Advocating on Your Behalf: Our life insurance lawyers advocate vigorously for your rights, challenging unjust denials and working to secure the benefits you deserve.

Our lawyers are dedicated to supporting service members and their families through these challenging times, using our legal expertise to overturn unjust denials and ensure that our clients receive the benefits to which they are entitled.

If your claim has been denied, delayed, or declined, reach out to our life insurance lawyers for SGLI claims to schedule a free consultation and case review. 

SGLI Beneficiary Rules

The designation of beneficiaries is a crucial aspect of SGLI coverage, and it is essential for servicemembers to understand how these rules work and how they can impact the distribution of benefits in the event of a claim.

Here are some key points to keep in mind regarding SGLI beneficiary rules:

  • Servicemembers have the right to designate their beneficiaries and can change their designations at any time.
  • If no beneficiary is named, the proceeds will be paid out according to a statutory order of precedence, which prioritizes spouses, children, parents, and siblings, in that order.
  • If a servicemember names a minor child as a beneficiary, the proceeds will typically be paid to a guardian or held in trust until the child reaches the age of majority.
  • If a servicemember names multiple beneficiaries, they can specify the percentage of the proceeds that each beneficiary will receive.
  • If a beneficiary dies before the servicemember, their share of the proceeds will typically be distributed among the remaining beneficiaries.
  • Servicemembers can also designate contingent beneficiaries, who will receive the proceeds if the primary beneficiaries predecease the servicemember.
  • Beneficiary designations must be made in writing and signed by the servicemember.
  • Divorce does not automatically revoke a beneficiary designation, so servicemembers must update their designations if they wish to remove an ex-spouse as a beneficiary.

If you are a beneficiary who has been denied SGLI life insurance claim benefits, it is important to understand your rights and to seek the assistance of an experienced life insurance lawyer who can help you navigate the appeals process and recover the money rightfully owed to you.

In some cases, beneficiary designations may be challenged on the grounds of undue influence, lack of capacity, or other legal grounds. A lawyer can help you evaluate the specific circumstances of your denied life insurance claim and develop a strategy for recovering the benefits that you are entitled to receive. Contact us for for information.

SGLI Beneficiary Designations: “by law” and “by will”

SGLI beneficiaries can be designated “by law” or “by will,” and understanding the difference between these two methods is crucial for servicemembers and their beneficiaries.

By Law

When an SGLI beneficiary is designated “by law,” it means that the servicemember has not specifically named a beneficiary, and the proceeds will be distributed according to a statutory order of precedence. This order prioritizes the following individuals:

  1. Spouse
  2. Children (in equal shares)
  3. Parents (in equal shares)
  4. Executor or administrator of the estate
  5. Next of kin

By Will

When an SGLI beneficiary is designated “by will,” it means that the servicemember has specifically named a beneficiary or beneficiaries in their will. This designation overrides the statutory order of precedence and allows the servicemember to have more control over the distribution of their SGLI proceeds.

However, it is important to note that designating beneficiaries “by will” can be problematic for several reasons:

  1. Wills can be contested, leading to delays in the distribution of benefits.
  2. Wills may not be up to date, especially if the servicemember’s family situation has changed since the will was last updated.
  3. Designating beneficiaries “by will” can create confusion and potential conflicts with other beneficiary designations, such as those made on SGLI enrollment forms.

For these reasons, it is generally recommended that servicemembers designate their SGLI beneficiaries using the appropriate enrollment forms rather than relying on their will. This ensures that their beneficiary designations are clear, up-to-date, and legally binding.

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Find Answers to Frequently Asked Questions

Will an SGLI Claim Be Denied for Medical Conditions?

SGLI generally does not deny claims based on pre-existing medical conditions. The coverage is guaranteed issue, meaning that servicemembers are automatically enrolled in the program without the need for medical underwriting. However, there are a few exceptions:

  • If the servicemember was diagnosed with a terminal illness and had a life expectancy of less than two years at the time of enrollment, the claim may be denied.
  • If the servicemember was not in good health and did not meet the requirements for coverage at the time of enrollment, the claim may be denied.


Does SGLI Coverage Include Off-Duty Death?

Yes, SGLI covers deaths that occur both on and off duty. The coverage is in effect 24/7, regardless of whether the servicemember is actively serving or on leave. This includes deaths resulting from accidents, illnesses, or traumatic injuries that occurred while the servicemember is not on duty.

Does SGLI Cover Suicide? Suicide and SGLI

SGLI does cover suicide, but with some limitations. If the servicemember commits suicide within the first two years of enrollment, the claim may be denied. This is known as the “two-year contestability period.” After this period, SGLI suicide claims are generally covered. However, if there is evidence that the servicemember intended to commit suicide at the time of enrollment, the claim may still be denied, even if the suicide occurs after the two-year period.

How Much Does It Cost to Hire a Life Insurance Attorney to Help With My Denied Claim

At DiGeorge Life Insurance Law Firm, we understand the financial and emotional strain of a denied life insurance claim. That’s why we offer our legal services on a contingency fee basis, meaning you won’t pay any legal fees unless we successfully recover a settlement for you.

There are no upfront costs to start your case, and you will never receive a bill from us. If we don’t win your case, you don’t owe us anything.

To get started, simply fill out our secure online form for a complimentary case review, or call us at (800) 391-9692 to schedule your free consultation.

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DiGeorge Life Insurance Law Firm excels in representing clients whose life insurance claims have been denied due to policy lapses. Our attorneys possess a deep understanding of the complexities involved in these cases and are committed to conducting thorough investigations and advocating fiercely on behalf of our clients.


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Our team has recovered millions of dollars for our clients after receiving life insurance benefits denied or delayed.

Has Your SGLI Claim Been Denied?

Our life insurance lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

There is never any risk or out-of-pocket cost to you.