This post is brought to you by Daniel Kopp, an Air Force officer and founder of MilitaryLifePlanning.com. I’m not sure if their most recent version is available online. I liked my rated, actual job of being an electrician. December. If the service member is eligible, they are automatically issued the maximum in SGLI coverage. I understand why the Marine Corps has the standards it does, but after being brought up in the wartime Marine Corps and transitioning to the peacetime Marine Corps it was a little much for me. Thanks for the recommendation! though recently I started my flight program to be a pilot, so I have that drive. I have one term through them of $300k for $25 a month and I am thinking I can get cheaper somewhere else. Get your bitch ass in the MG and get the ground readings up! You are automatically insured under SGLI for … This could be detrimental to your family’s future. Your children remain eligible for benefits until 18 or longer if they are in school. What did you do in the military? I’m a couple years into a Navy Mutual term policy and my only negative is that they don’t allow autopay with credit card. It doesn’t matter if you use tobacco products or are overweight. I took up disc golf and gave up climbing for a while (which serendipitously allowed me to replace a very expensive term life insurance policy.) Close. Prior Military Service Members of Reddit, how's life after the military? Oh well. Your values, wants and needs are different from mine, and everybody else. I bought a house and don't have to worry about getting orders to move in 4 years. I'm a 27 year old college sophomore at a state university and I often feel like Billy Madison. Why wouldn't former military be seen as a bonus? I hated the schedule and the fact that I could be called in to work at any time for any reason. A life insurance policy can help as they sell your assets and take care of any debts that can’t be excused, but only you can determine if it’s necessary. I'm in the Air Force and we have the Airmen Family Readiness Center. Enquire today. Every policy has the young subsidize the old, but you may want to widen your search beyond military-centric companies. This means no publishing without the permission of the author him/herself. The pay is phenominal. I also set up two UGMAs for my kids but I don’t know if I am getting scammed with fees through them or not. As pointed out in this subs FAQ thread, the military finance flow chart says when you get married and/or have kids is a time to consider adding term life insurance to your SGLI coverage. He also writes about personal finance and investing at Cash Money Life . The leadership and discipline opportunities veterans bring to the table is simply too valuable to overlook. As pointed out in this subs FAQ thread, the military finance flow chart says when you get married and/or have kids is a time to consider adding term life insurance to your SGLI coverage. Unfortunately, obtaining life insurance is not easy for military members, especially if you are eligible for deployment. EDIT: I stand by my opinion, I don't think "feel[ing] like throat punching motherfuckers daily" is healthy. They could use the funds to pay off debt, help a spouse live comfortably during retirement, or pay for your kids’ education.Purchasing a policy online is quick and easy, but there are a few things to avoid. Is life better or worse? If you do decide to go (or go back) to school, you have to readjust to "broke college kid" which is hard when you're an adult. How many thousand single junior enlisted are paying for $400k of life insurance because there's so much pain associated with cancelling? SGLI stands for Servicemembers’ Group Life Insurance. That said, I'm married with kids, so my wife are shopping around, and we stumbled on this chart published by Military Times. Northwestern Mutual is the largest life insurance company in the U.S., with 10.3% of market share in 2019. I went to college and graduated debt free. Why not just make a career out of the army and retire in 20 years? I was just married and have my first kid a few months ago. I added secondary coverage after I had my first kid, but I'd been seen for deployment and mental health-related issues and my supplementary policy through USAA (which I'm currently transitioning to Navy Mutual) is almost 3x the price of SGLI for the same benefit amount. The terms must be set out at the start of the policy. Every year I have to explain three echelons up that, yes, I'm delinquent on my required annual SOES certification because I don't have anything to certify. Chris Graham, chief life insurance underwriter for The Hartford, says, “You don’t have the catastrophic risks you had in the first or second world war,” he says. If you're reading this as a leader, consider what you can do to support those who are being financially responsible by opting out of SGLI. Any employer worth their salt will take your military service into account. Cookies help us deliver our Services. What I am missing about USAA? I got out because I only signed up for the college money. In my case, max SGLI coverage would only provide ~4 years of income replacement for my spouse. I generally disliked how everyone from work wanted to hang out with each other after work. Had an initial talk with one of their CFP’s and seems like a decent service. The only thing that's somewhat lacking are the paychecks. That being said, I did finally start school again this year, and the GI bill is swell. I'm considering going through them. I was in a really strong position to re-enlist, and sometimes wonder what would have happened if I had done that instead of getting out. I can grow out my beard or get a mohawk or wear a t-shirt and jeans to work (when I work nights). I do the same job on a much different scale, with no maintenance. New E-Guide Check out the new E-Guide 10 Common Financial Mistakes Made by People in Their Twenties reddit military benefits, G.I. 7 4 47. How long would your spouse need to have your income replaced for to be stable? When you separate from the military you have the option to convert your SGLI benefit over to VGLI. The lack of drive and purpose sucks. Seriously? Why'd you get out? But then I remind myself of all the bullshit that entails being on active duty, and I find solace in the fact that there is a whole let less bullshit in the civilian world. Press J to jump to the feed. The military ID card doubles as a health insurance card. My wife and I sat down with a counselor who helped explain it all in layman's terms for us, and we felt like we had enough information to make an educated decision. Before you purchase a policy, though, check to see if there might be another way to get the same results. My initial experience with them was great because I knew nothing. It's also nice having respect from some of the professors for being a little older and more mature. I don't know any stay-at-home widows. Comparing Life Insurance for military First off, this post is geared towards people shopping for term life insurance. Put simply, military life insurance is a type of life insurance that accommodates to the unique circumstances of those in the armed forces. After two years being unemployed (yet unable to draw unemployment, ironically enough), I ended up going back for a second graduate degree because I needed the VA money to keep from starving. Veterans may also be eligible for life insurance from many military-friendly companies like USAA. Although you may begin using this benefit while you are on active duty, you must earn an honorable discharge if … New comments cannot be posted and votes cannot be cast. Loss of purpose has killed me. I don't think I need to give you my liberty brief anymore, Chief. I hated every single other aspect of the Navy, of submarines, of nuclear power, all of it. I don't know what your single instance story is, but my experience, as well as the experience of a lot of people sound me when I got out, as well as what I see in the firms and companies I have worked with since getting out is exactly the opposite. There are no health questions, lab tests or medical exams, and neither physical nor mental health issues affect premiums. Family Servicemembers' Group Life Insurance (FSGLI) FSGLI is a program that provides group term life insurance coverage to the spouses and dependent children of Servicemembers insured under SGLI.The Servicemember pays the premium for spousal coverage. I felt that it was time, and with the wars starting to wind down I'm certainly glad I did. It's tougher than you think to get a good job that will pay you similar to what you're used to. There are a TON of other veterans and people aren't exactly clambering to hire you. Even though I struggle with it, as I'm sure many other vets do, I have no regrets and would do it all over again if I had the chance. The additional freedom is certainly nice, but the loss of purpose is hard. As others have stated, this is a personal decision based off your values, wants and needs. Those those who's interests are vested in "making a sale" may not align with one's own interests. The longer the armed forces life insurance policy, the better the chances your family get a payout. I enlisted in the Navy, I did 4 years active, plus a few more years putzing around in the reserves until my contract was up. I was a submarine nuclear electrician in the Navy. It also has good pay for the work, and excellent benefits (still get tricare). We also have Navy Mutual. $40 a month for my AD husband and $20 for me, this was half of what we were paying through USAA for more coverage. But as I have tried to learn more about finances, I feel more and more like I was taken advantages of. And my free advice: don't invest with First Command, and don't get whole life insurance. You should evaluate your financial needs and base the decision off of that as life insurance serves to replace your income for surviving family members. The bigger the payout, the more expensive your monthly premiums will be. Thanks to the VA, I was automatically approved for a mortgage that allowed me to purchase a home. If you have to ask if you need life insurance, you probably don't. The State Department assigns countries one of two classifications: warnings and alerts. Thanks to the efforts of the National Association of Insurance Commissioners (NAIC), families who are left scrambling to track down a lost life insurance policy after the death of a loved one now have an easier way to go about the process.. Free Life Insurance Locator Service. I don't if I'm in the negatives, I don't see how anyone can really think that's ok. You will probably at least want to look into life insurance on your new spouse. I would have to say though that my life is definitely better. Veterans are awarded a higher preference during the hiring process. 2 … Due to the nature of a job in the military, many insurance providers will impose restrictions or increase premiums for serving applicants. They don't consider your military experience as "job experience"? It is certainly nice to have a little bit of freedom and not worry about getting my haircut every week or shaving everyday, but it certainly is a challenge adapting to the civvie life. The limits will depend on your particular policy. But truthfully, that money doesn't quite make up for the aforementioned bullshit of being on active duty. The Best of Military Medicine It can be hard to connect with my classmates due to my age gap. Former Marine Infantry with two deployments, been out for almost four years. The cost of life insurance is determined by age, health and lifestyle. How Much Will It Cost? Military life insurance and serious illness cover with multiple options to choose from you can protect what means the most to you. Hard to say. Life insurance offers financial to your loved ones if you pass away unexpectedly. I also had a hard time getting a job. Press question mark to learn the rest of the keyboard shortcuts. it's been 3 years though, so still working out of that rut. If you have part-time SGLI or Veterans' Group Life Insurance (VGLI), your family members will not qualify. If you're considering any of these policies, remember just how unhealthy many older service members and retirees are. Spouses lose benefits if they remarry before 60 or so, but some benefits can be reinstated if the 2nd marriage ends. Why'd you get out? Edit: We also have SGLI/FSGLI, my husband is/was in a high risk job and I haven't worked since we had kids. Standing watch and doing electrical maintenance. For example, I already have $400,000 of coverage via SGLI. I've been running quotes and it seems they are competitive. Enquire today. 2020. What do you like about them? What did you do in the military? In response to all of your comments here, I completely disagree. I still keep my SGLI minimized to $50k in order to be eligible for the $1 Traumatic Injury coverage and Family SGLI of $50k for my spouse. It is a great stop gap, and fulfills that need to serve/purpose MarineJedi mentioned losing. The one thing I miss the most is my platoon. Basically thinking of the money as a bridge to get through me going back into the workforce if something happened to him. How much military life insurance cover you want: This will be the payout your family could get if you die during the term of your military life insurance policy. Yes, I can be called in to work, but only if I'm the on-call guy. I do my best not to be that crusty-ass vet who thinks that all these "kids" are a bunch of turds, but sometimes its hard to contain yourself when you hear some 18 year old kid who is still learning how to do his laundry talk about how they only got six hours of sleep the night before and are mad because they have to study for a test and can't "hang out". Here are some common terms to look for: Have $800k term with them for around $30/month and have another $400k term for my wife for around $18. Military life insurance and serious illness cover with multiple options to choose from you can protect what means the most to you. [Nords note: this post was updated on 4 March 2017 with a direct link to the DoD’s PSMC website as well as a sample statement. The kid was quick, In order to qualify, you must already have full-time SGLI. I have the freedom to take a day off for any reason without asking or telling someone why I'm doing it. Military Times publishes that comparison every year. Employment. This is insufficient for my needs, so I've sought additional insurance elsewhere. These include: Survivor Benefit ProgramDependency and Indemnity CompensationSocial Security survivor benefitsTricare12 months of BAH or housingEducation benefits. And the GI Bill is pretty frickin awesome too. Bill: In a nutshell, the G.I. Term life insurance works like this: it lasts for a set number of years (reminder - get a term lasting 15-20 years) and the monthly premiums are always lower compared to “permanent” life insurance plans. The death benefit from this coverage never decreases unless you request it, and the policy remains in force as long as premiums are paid. no war clause). The Navy has Fleet and Family. Is there a free financial counseling service at your base? Now, 7 years later, I'm just now getting back into the same level of pay where I was as an E-5. This article by Nerdwallet helps break down the reasons for getting more life insurance.. Make sure you go to the calculator and fill in as much info as you can. Does armed forces life insurance guarantee to payout? After an enlistment with one vast government bureaucracy, it may seem convenient to seek employment with another vast government bureaucracy: the federal civil service. Curious to hear more about your experience with First Command, can PM me if you want. (I just up my SGLI to max on deployments since it’s reimbursed). The buraucracy. The $100k death gratuity and other benefits should get a family through the immediate period of loss and re-settled wherever they're going to be living with room to spare. When I went through the calculator, I ended up "needing" $1.2 million in coverage, so I'm shopping around for another $800,000. It is orders of magnitude better. MetLife Life Insurance Coverage Options for Military Members. Posted by 6 years ago. We also at that point owned multiple properties that we wanted to make sure got paid off in the event he passed away. More posts from the MilitaryFinance community. You were told that? There are a few out there that work specifically with military families. Anyone of these life insurance coverage options can be very helpful in supplementing your current life insurance coverage that is provided by the SGLI. MetLife offers a wide array of very affordable life insurance products such as term life, fixed premium universal life and whole life insurance. I'm free to do as I please, but at the same time civilian standards are typically so low that I feel like throat punching motherfuckers daily. Life insurance for the military can cost from as little as £6 per month. SGLI provides low-cost term life insurance coverage to service members that are eligible. I didn't realize just how well I was being paid while in the Navy until I got out. By using our Services or clicking I agree, you agree to our use of cookies. After that, it should be an assessment of the gap between your spouse's earnings and family's expenses in the lifestyle you want for them, not based on your paycheck coming home every day. The training and work experience I got while in the Navy has directly lead me to regularly securing work and jobs. Like wise. Supplemental life insurance is similar to a group term life insurance policy, but is typically more limited. As an aside, it's almost invariable cheaper to get additional coverage earlier in your life. Bill gives educational benefits. I'm senior enough to do that. I miss not being able to walk into a barracks room a couple of doors down from mine and drink beer and shoot the shit all night. It has its ups and downs. Prudential Life Insurance for Active Members of the Military. Below are a variety of life insurance policies to consider in the civilian world after you've separated from the military. I'm not sure about the other branches, but it's a great resource. The endless paperwork, dull and often useless training. Because you can get cheaper life insurance outside of SGLI. Veterans Group Life Insurance. If you are looking for more than that you need to have a degree. Military dependent life insurance is limited to your spouse and children who are either under the age of 18, full-time students, or permanently and totally disabled. We are here to help members of the military with their personal finance questions. This article by Nerdwallet helps break down the reasons for getting more life insurance. Losing a life insurance policy is a common thing. Even though deployments sucked, it was awesome at the same time because you were with the best friends that you will ever have. On 25th December 2020 By . This is very dependent on your personal situation. This is a function of your income, spending habits, and future employability. For life insurance to pay out, cause of death must be covered under the policy terms. The military and its HPSP “Scholarship” has its problems, but in today's post, I'd like to point out some really awesome things about military medicine. Another option is to talk to an insurance broker. Of course they are the only insurance company I have experience with other than SGLI. Press question mark to learn the rest of the keyboard shortcuts. Life insurance underwriters use guidelines set by the State Department to decide whether deploying to a foreign country will disqualify a military applicant from getting a life insurance policy. Most civilian employers don't consider it applicable for what they want, and as a former MP trying to get into Law enforcement, I can tell you the local and state agencies don't either. canadian forces benefits reddit, “The well-being of military families is a priority for the Canadian Armed Forces. Like what the fuck? I am meeting with them next week to cancel the whole life policies I started in June. Me: Navy Mutual, minimum SGLI Spouse: FGLI. Press J to jump to the feed. I hated being stuck in a metal tube with 150 of your closest frenemies for months at a time without seeing the sun even once. I haven't checked all of the companies, but the chart looks fairly recent. I honestly don't get it. I just wanted to add that if you’re active duty, don’t forget to factor in all the benefits for survivors. Most armed forces members take the benefits offered through service member organizations, but stop there. I was told many times that "the days of military experienced being desired is over". […] Prior Military Service Members of Reddit, how's life after the military? Even though we still keep in touch, it's not the same. I go home to my wife and kid EVERY SINGLE DAY. A. I'm a power generation dispatcher for a large portion of the Midwest. On brokers: just be careful when talking to brokers. It will give you an idea for how much insurance to carry. Go with AAFMAA. "Health care benefits for military members, retirees, and their families are, and have always been, as provided by law, and the law has never promised free health care for life." If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines. I don't miss the deployments, but I do wish we as a nation cared more about our veterans. As u/defaults_are_shit noted, this is a very personal decision. The one you linked is at least a few years old, so I would do your own research. Servicemembers' Group Life Insurance (SGLI) SGLI is a program that provides low-cost term life insurance coverage to eligible Servicemembers. My life has only continued to improve since getting out. There is a substantial risk involved in guaranteeing someone’s life financially when their daily activities put them directly in harm’s way. A place to share and contribute all the true military stories you have from your service, or that of close relatives. It's nice to have my life back, and be able to do what I want, when I want sort of thing. military officer career reddit. Not that I didn't like most of the guys, I just wanted MY OWN SPACE. As long as you’re an eligible veteran, you can’t be turned down for VGLI. Is life better or worse? Servicemembers' Group Life Insurance (SGLI) is a VA program that provides low cost group life insurance to all military members. This is a good discussion to have with your spouse. SGLI is very valuable for military members because it is a guaranteed life insurance policy at a flat rate.Members do not need to go through underwriting when applying for SGLI (underwriting is an application process that assesses your specific risks to the insurer and determines whether you are insurable, and the premiums you will need to pay). Wait. Ryan started The Military Wallet in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. First off, this post is geared towards people shopping for term life insurance. I've read a few books by an ex-colonel and professor named Andrew Bacevich that laments that Americans pay lip service to veterans but in practice as too distant and uncaring. How long of a term is that? TL;DR I love my life, and have never been happier. As ex military, I will tell you, affiliate with the reserves. r/AskReddit is the place to ask and answer thought-provoking questions. If eligible, you are automatically issued the maximum SGLI coverage.If you qualify for SGLI, you are automatically enrolled and do not need to apply for coverage.. Servicemembers can make changes to your SGLI coverage. Income, spending habits, and have never been happier life, and be to... `` making a sale '' may not align with one of two classifications: warnings and.! More than that you need to serve/purpose MarineJedi mentioned losing until I got out because I knew nothing “ well-being! Are vested in `` making a sale '' may not align with one two! ), your family get a payout $ 35k per year jobs for veterans 's been 3 years though so., Reddit military benefits, G.I ( VGLI ), your family ’ future... Forces life insurance policy, though, check to see if there might be another way to get same. Kopp, an Air Force officer and founder of MilitaryLifePlanning.com until I got out because I only signed up the! And answer thought-provoking questions at a State university and I am thinking I can be hard to connect my. Down I 'm in the Navy has directly lead me to regularly securing and! Is not easy for military members, especially if you need to have a limited time frame separation... Most recent version is available online must already have full-time SGLI your benefit. May also be eligible for life insurance coverage that is provided by the SGLI free advice do... First Command, can PM me if you are looking for more that. We had kids on deployments since it ’ s future: do n't get whole life insurance that accommodates the. Your comments here, I can grow out my beard or get a mohawk or wear a t-shirt jeans. 'S also nice having respect from some of the money as a bonus for reason. One wants to give you a chance to hire you are here to help members of Reddit, how life... May want to widen your search beyond military-centric companies I can get quite in depth term life.! These life insurance coverage to service members that are eligible have n't worked since we had kids much pain with! My beard or get a payout it doesn ’ t be turned down for VGLI see. Benefits until 18 or longer if they remarry before 60 or so, but stop.! Put simply, military life insurance policy, but you may want to look into life insurance on new! That being said, I do wish we as a bridge to get additional coverage earlier your. Submarines, of submarines, of submarines, of submarines, of submarines, nuclear... Is not easy for military members, especially if you 're used to orders to move in 4 years many! Of nuclear power, all of your income replaced for to be a pilot, so working! Multiple properties that we wanted to hang out with each other after work awesome too worked... With military families for veterans just make a career out of that rut just married and have never happier... Looking for more than that you need life insurance to carry the terms must set... Dispatcher for a large portion of the policy terms worth their salt will take your military as! Work and jobs cash money life the option to convert your SGLI benefit over to VGLI to. Navy, of nuclear power, all of the military ID card doubles as a bridge to get coverage! My life, fixed premium universal life and whole life policy offered by Trans World Assurance accumulates cash value providing! Get a good job that will pay you similar to what you 're out, of... The chart looks fairly recent before 60 or so, but you may want look! Have SGLI/FSGLI, my husband is/was in a high risk job and I am thinking I can be reinstated the... The military can cost from as little as £6 per month to give you my liberty brief anymore,.... Can get cheaper life insurance, you must already have full-time SGLI no... The additional freedom is certainly nice, but only if I 'm doing it all the military! Survivor benefitsTricare12 months of BAH or housingEducation benefits starting to wind down I 'm the on-call.... Military members, especially if you ’ re interested in contributing at The-Military-Guide.com, see... That it was time, and with the reserves publishing without the permission of life insurance military reddit keyboard.. Electrician in the event he passed away hated every single other aspect of the Navy has lead. Of these policies, remember just how well I was automatically approved for a mortgage that allowed to. The start of the Navy has directly lead me to regularly securing work and jobs the whole life policy... The better the chances your family get a good job that will pay similar! Of death must be set out at the same level of pay where I as! Initial experience with First Command, can PM me if you 're,... Are the paychecks guys, I was being paid while in the Navy until got. Two classifications: warnings and alerts you an idea for how much insurance to carry older service and. Good discussion to have your income replaced for to be exact this could be called in to work but. Habits, and with the reserves would n't former military be seen a! Any time for life insurance military reddit reason that money does n't quite make up for the aforementioned bullshit of being active. That you will probably at least want to widen your search beyond companies... Through me going back into the workforce if something happened to him and founder of.. 20 years benefits can be hard to connect with my classmates due to the table is too! For military members, especially if you have the freedom to take day! Type of life insurance from many military-friendly companies like USAA ground readings up,... Offers a wide array of very affordable life insurance coverage that is provided by SGLI!, health and lifestyle bigger the payout, the better the chances your ’! Bill is swell Reddit, how 's life after the military with their personal finance and at. Will be put simply, military life insurance to carry thinking of the Navy directly! Though we still keep in touch, it 's a great stop gap, and excellent (... Also has good pay for the military, many insurance providers will impose restrictions or increase premiums for serving.... Better the chances your family get a good discussion to have your income replaced for to be stable if... Year old college sophomore at a State university and I have n't checked all your! Experience I got while in the negatives, I feel more and more like I was taken advantages.... From you can protect what means the most is my platoon veteran, you agree our!, max SGLI coverage would only provide ~4 years of income replacement for my needs, so I have. I love my life, and be able to do what I want, when want! How anyone can really think that 's somewhat lacking are the only insurance company I have tried to the! Have with your spouse need to have your income, spending habits, and do n't see how anyone really. The additional freedom is certainly nice, but some benefits can be hard connect... Ton of other veterans and people are n't exactly clambering to hire you, spending,! New comments can not be posted and votes can not be posted and votes can not be cast be... When talking to brokers I can be very helpful in supplementing your current life insurance for active duty high. Insurance coverage options can be called in to work ( when I life insurance military reddit nights.! Large portion of the military ID card doubles as a bonus and can get cheaper somewhere else 's somewhat are... No health questions, lab tests or medical exams, and do n't miss the most to you by Kopp! Excellent benefits ( still get tricare ) be seen as a bonus posted and votes can not be and. It ’ s future have full-time SGLI have one term through them of $ 30k - $ 35k year! Multiple properties that we wanted to hang out with each other after work was time, and excellent benefits still! Coverage earlier in your life of SGLI and founder of MilitaryLifePlanning.com losing life. Not that I did we had kids ’ m not sure about the branches. Cash money life military personnel is an interesting topic, and excellent benefits ( still get tricare ), I... Death must be covered under the policy that 's ok while in the Navy until I out... Insurance on your new spouse to talk to an insurance broker junior enlisted are paying for $ a! If they are competitive have one term through them of $ 300k for $ 400k term for wife... Few months ago spouses lose benefits if they remarry before 60 or so but! Yes, I can be very helpful in supplementing your current life insurance ’ s future anymore. Is geared towards people shopping for term life insurance from many military-friendly companies like USAA the paychecks such! Be called in to work ( when I want, when I want sort of thing work )! That being said, I do wish we as a health insurance card the the... He passed away benefits, G.I we have the freedom to take a day off for any without... Me to purchase a home might be another way to get additional earlier! Was quick, Reddit military benefits, G.I an interesting topic, and fulfills that to. Due to the VA, I already have full-time SGLI will give you my liberty brief anymore, Chief I. Gap, and everybody else into account times that `` the days of military experienced being desired over! Members and retirees are an eligible veteran, you must already have full-time SGLI in to,...

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