What is the main distinction between SGLI and SDVI?

The statement that SGLI is for active duty, while SDVI is for total disability is accurate.

Servicemembers' Group Life Insurance (SGLI) is designed specifically for members of the military who are on active duty, providing them with life insurance coverage during their service. This coverage is crucial for active-duty personnel as it offers financial security to their families in the unfortunate event of their death while serving.

On the other hand, Veterans' Group Life Insurance (SDVI) is a program aimed at veterans who have been totally disabled and provides them with life insurance after they transition out of active duty. It addresses the needs of those veterans who may not have had sufficient coverage while they served or who require additional support due to their disabilities.

This clear distinction highlights that SGLI is applicable to individuals actively serving, and SDVI serves a different demographic—disabled veterans. Understanding this separation is essential for professionals assisting veterans in navigating their benefits and options effectively.