Can a service member elect lesser coverage than the maximum available of $400,000 under SGLI?

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Service members are permitted to elect coverage amounts under the Servicemembers' Group Life Insurance (SGLI) program that are less than the maximum limit of $400,000. This flexibility allows service members to customize their life insurance coverage based on their individual needs, financial situations, and family circumstances.

The SGLI program offers coverage in increments of $50,000, and service members can choose any amount from $50,000 up to $400,000, with the option to select no coverage at all if that is preferable. This customization is crucial for service members who may not require the full maximum coverage or who may want to allocate their military benefits in a different manner.

While certain scenarios relate to the decision-making process for coverage amounts, such as a service-connected disability, they do not limit the choice of electing a lower coverage amount. Therefore, service members have the autonomy to select lesser coverage amounts throughout their time in service, making the assertion that they can elect lesser coverage correct.

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