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Home/Military and veteran life insurance: what SGLI covers and where it stops
Worked examples and condition-specific walkthroughs, updated when carrier guidance changes.
The pages on this site explain how a condition or product is assessed. The guides below go narrower: a single application walkthrough, one staging system explained properly, the specific thing that changed in one market.
Each is filed against the page it supports, so if you have arrived from a condition page you will find its guides grouped here alongside everything else.
Three layers, and it is worth knowing which one you want.
Condition and product pages are the canonical treatment. If you want to understand how diabetes or guaranteed issue is assessed generally, start there — they are linked from the navigation and from every guide below.
Guides — this page — go deeper on one angle. The GOLD staging bands. What to have in hand before a diabetic application. Why HIV underwriting reopened in 2015 and what the criteria published then still tell you.
Questions answer one specific thing in a paragraph, with the detail underneath. That is the fastest layer if you have a single question rather than a subject.
Terms used across all three are defined in the glossary, and the first mention of any defined term links straight to it.
If you do not have a specific condition in mind, what no-exam actually means is the pillar and explains the three products this site is named after.
If you have a diagnosis and want to know how it is assessed, go to the condition page first and use the guides here for the detail.
If you are holding a rated offer or a decline, rate tables explains how a rated price is constructed and applying after a decline covers what to do next.
SGLI pays up to $500,000 for $25 a month, and it ends 120 days after you separate. What the military gives you, what it does not, and how the conversion…
Carriers underwrite the total-to-HDL ratio rather than total cholesterol, and being on a statin usually helps rather than hurts. What treatment does to the file, and what it does not.
GOLD stage, oxygen use and smoking status decide a COPD file more than anything else on the application. What each one does to the range of outcomes available to you.
The application takes twenty minutes. The five checks that run behind it decide the outcome, and knowing what they are tells you why some files come back in a day…
Confinement to a nursing home is a knockout question on almost every simplified issue application, which leaves guaranteed issue. What that buys, what it costs, and the consent problem nobody…
Every carrier asks the same six things after a cerebrovascular event. Four of them have answers you can document before you apply, and one of them is simply a matter…
Localised breast cancer has a five-year relative survival of 100%, and underwriting reflects that. What the postpone period measures, and why being on tamoxifen or an aromatase inhibitor helps your…
Five questions decide a diabetic application, and four of them have answers you can prepare before you start. A walkthrough of the paperwork, the order to do it in, and…
The individual life market was effectively closed to HIV-positive applicants until Prudential reopened it in December 2015. The criteria published then still describe how the category is underwritten now.
Stage separation in lung cancer is wider than in almost any other diagnosis, and smoking status compounds it rather than sitting beside it. What that means for the postpone period…
A short note when underwriting guidance shifts on a condition you're following. No sales sequence, and you can leave in one click.
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