SGLI life insurance is there for you 24 hours a day and 7 days a week, in and out of combat. It is there for you, and has been for troops for as far back as one can remember. SGLI life insurance helps provide a strong foundation of protection for families of active-duty military personnel and reservists. Unfortunately, some policy holders died before applying for the increased coverage resulting in the surviving families to suffer financially because they did not receive the increased benefit.