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Featured Settlement

Our firm recovered $400,000 for an SGLI beneficiary whose claim was denied by the insurance company based on an alleged failure of an insured servicemember to pay premiums on his SGLI policy. Our SGLI attorneys fought relentlessly for the beneficiary’s right to receive the denied SGLI benefits.

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Court Rules in Favor of Ex-Spouse in an SGLI Beneficiary Dispute

In Mixsooke v. Prudential, the United States District Court of Alaska ruled in favor of an ex-spouse in a beneficiary dispute involving an SGLI Policy. In Mixsooke, Raymond was a member of the armed services when he married Nuttall in 2007. During their marriage, Raymond purchased a Servicemembers’ Group Life Insurance policy in the amount of $400,000 and designated Nuttall as the sole beneficiary. In 2009, Raymond and Nuttall divorced and he married Mixsooke in 2011. Raymond did not fill out another SGLI Election Form designating his wife as beneficiary. He died in 2012.


For military service members and veterans, and to provide special protection for their beneficiaries, Congress created two group life insurance programs: the Servicemembers’ Group Life Insurance (SGLI) plan for active members, and the Veterans’ Group Life Insurance (VGLI) plan for veterans. Prudential Life Insurance has been the carrier for these policies since 1965. The policyholder is the VA. The insurance premiums for SGLI are collected from the service members by the United States; the premiums for VGLI are paid directly to Prudential by veterans.


When servicemembers apply for SGLI coverage, they are asked to complete form SGLV-8286 designating a beneficiary. An applicant may choose to write a specific name or “By Law”. The provisions on the reverse side of that form explain that a “By Law” designation results in distribution of the proceeds in the following order:


If you are an SGLI beneficiary or insured you may have questions about your SGLI benefits and the process of receiving proceeds of an SGLI policy. Many of your questions may be answered by an SGLI attorney. You may also find eligibility requirements and beneficiary legal rights by reviewing the SGLIA, or The Servicemembers’ Group Life Insurance Act. History of the SGLIA will help understand how the law protects SGLI insureds and beneficiaries.


The SGLI Disability Extension allows servicemembers who are totally disabled at the time of separation to extend their SGLI coverage at no cost for up to two years from the date they separate from service. SGLI Disability Extension differs from SGLI in that it is not automatic – a servicemember needs to apply for it by contacting OSGLI (The Office of Servicemembers Group Life Insurance) and filing an application with supporting documents. If granted, the extension will be available for free for up to two years. At the end of the 2-year extension, an insured can apply for VGLI (Veterans’ Group Life Insurance).