Denied or Delayed SGLI Claim?

We Will Help You Recover Your SGLI Benefits Fast

Legal Assistance for Servicemembers’ Beneficiaries

No Fee Until We Win Your Case

Call (888) 510-2212

Case Evaluation/Contact Us

  • Full Name:*

  • Phone:*

  • Email:*

  • Delayed or Denied? *

  • Message:*

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.

More recoveries »

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.


Upon his death, both the ex-spouse and the widow filed claims for SGLI benefits. Prudential filed an interpleader and deposited the proceeds of the SGLI policy with the court. It then withdrew from the lawsuit. The widow argued that she should receive the $400, 000 because Raymond executed a record of emergency date form (Form 93), directing that after his death all pay, allowances, and death benefits were to be paid to his wife Mixsooke. In addition, she argued that Raymond executed a last will and testament in 2011, in which he left all of his property to Mixsooke. The will was specifically prepared and executed according to federal law applicable to military personnel. She claimed that Raymond’s failure to update beneficiaries on his SGLI was a mere oversight and that his intention was to change beneficiaries and make Mixsooke the only recipient of the proceeds of his SGLI policy.

The ex-spouse relied on the Election Form and claimed that under the law, she is the only person entitled to the insurance claim. She stated that Raymond’s will does not affect the outcome of the matter, because it is not a document recognized by the law applicable to SGLI policies for the purpose of designating or re-designating a policy beneficiary. The court held in the ex-wife’s favor and explained that a written designation of beneficiary should have been delivered to the military prior to Raymond’s death. Since the only beneficiary designation was the Election Form originally completed by Raymond making Nuttall the sole beneficiary, Nuttall is entitled to the $400,000.

The court further explained that in some cases, the insured’s intent would be relevant if there are other writings filed by the insured prior to his death. SGLI beneficiary election will generally control unless there is a court order executed in accordance with federal laws applicable to SGLI policies. In addition, circumstances surrounding beneficiary designation must be taken into consideration before deciding on the rightful recipient of SGLI benefits.

If your SGLI claim has been denied or delayed, call our life insurance lawyers for help. As your SGLI counsel, we will fight for your right to receive what is yours under the law. Do not take the insurer’s refusal to pay your life insurance claim as the final word. Speak to an experienced SGLI attorney to know your legal rights.


            Call (888) 510-2212 for a free consultation.