Streamlining Your Finances: A Step-by-Step Guide to Updating SGLI Online

May 13, 2024

How to update your SGLI online

1. Understanding SGLI and Its Importance

Before we get into the process of updating your SGLI online, let’s first understand what SGLI is and why it’s important. SGLI, or Servicemembers’ Group Life Insurance, is a life insurance program offered to members of the military and their dependents. It provides affordable life insurance coverage to protect service members and their families in the event of death or serious injury.

SGLI offers several benefits, including low premiums, coverage for both natural and accidental deaths, the ability to convert coverage to civilian life, and the ability to designate beneficiaries. Keeping your SGLI up to date ensures that your loved ones are financially protected in the event of an unfortunate event.

2. Access the SGLI Online System

To update your SGLI online, you must access the SGLI Online Enrollment System (SOES). SOES is a secure, web-based system that allows service members to manage their SGLI coverage electronically. To access SOES, follow these steps

  1. Visit the official SOES website. You can usually find the link on the official website of the Department of Veterans Affairs or your military branch.
  2. Click on the “Login” or “Access” button to enter the system.
  3. Enter your login information. This usually includes your social security number and a unique password.
  4. Once logged in, navigate to the section where you can update your SGLI information.

It’s important to note that the exact steps may vary slightly depending on the specific online system implemented by your military branch. If you encounter any difficulties, contact the SGLI Support Team for assistance.

3. Update Personal Information

Once you have accessed the SOES, you can update your personal information. This includes details such as your name, address, telephone number and e-mail address. It’s important to ensure that this information is accurate and up to date to facilitate effective communication between you and SGLI administrators.
During the update process, you may also have the opportunity to add or remove dependents from your SGLI coverage. If you’ve experienced significant life events, such as marriage, divorce or the birth of a child, it’s important to reflect these changes in your SGLI coverage to ensure your loved ones are properly protected.

4. Review and Update Coverage Amount

Another important aspect of updating your SGLI online is reviewing and adjusting your benefit amount. The benefit amount represents the cash benefit that will be paid to your designated beneficiaries in the event of your death.

Consider factors such as your current financial situation, outstanding debts, mortgage payments, and the needs of your dependents when determining the appropriate level of coverage. It’s a good idea to review your coverage periodically and make adjustments as needed to ensure that it meets your current circumstances and financial goals.

5. Designating Beneficiaries

Designating beneficiaries is an important step in updating your SGLI online. Beneficiaries are the people who will receive the death benefit in the event of your death. Make sure the beneficiary information is accurate and up to date.
When naming beneficiaries, consider the financial needs and circumstances of your loved ones. It’s a good idea to have primary and contingent beneficiaries. Primary beneficiaries receive the benefit first, while contingent beneficiaries receive the benefit if the primary beneficiaries are deceased or cannot be located.

Review your beneficiary designations regularly, especially after major life events such as marriage, divorce or the birth of a child. Keeping your beneficiary information current can help ensure that your benefit is distributed according to your wishes.


Updating your SGLI online is a simple process that allows you to ensure your coverage is in line with your current circumstances and financial goals. By accessing the SGLI Online Enrollment System (SOES) and following the necessary steps, you can update your personal information, review and adjust your coverage amount, and designate beneficiaries.
Remember to review your SGLI regularly, especially after major life events, to ensure your loved ones are adequately protected. If you encounter any difficulties or have any questions during the update process, don’t hesitate to contact the SGLI Support Team for assistance. Updating your SGLI is an important aspect of your financial planning as a service member, and taking the time to keep it current demonstrates your commitment to the financial well-being of your loved ones.


How do I update my SGLI online?

To update your Servicemembers’ Group Life Insurance (SGLI) online, you can follow these steps:

1. Visit the SGLI Online Enrollment System

Go to the official website of the SGLI Online Enrollment System, which is managed by the Department of Veterans Affairs (VA).

2. Log in or Create an Account

If you already have an account, log in using your username and password. If you don’t have an account, you will need to create one by providing the required information.

3. Access the SGLI Update Section

Once you are logged in, navigate to the section that allows you to update your SGLI information. This section may be labeled as “Update SGLI” or similar.

4. Make the Desired Updates

Follow the instructions provided on the website to make the necessary updates to your SGLI coverage. You may be able to change your coverage amount, designate beneficiaries, or update personal information.

5. Review and Submit

After making the updates, carefully review the information you have entered to ensure its accuracy. Once you’re satisfied, submit the changes through the online system.

6. Confirmation

After submitting the updates, the system should provide you with a confirmation message or reference number. Keep this information for your records.

7. Contact Support (if needed)

If you encounter any issues or have questions during the online update process, contact the SGLI support team for assistance. They will be able to provide guidance and resolve any concerns you may have.