top of page

NGAM Life Insurance Program (SSLI)


Commanders! Our SSLI insurance professionals are prepared to give benefits briefings to your units at your convenience. To schedule a visit, please call our Insurance Administrator at 1-800-462-7441 or click on the icon.

About the SSLI Program

No Cost $1,000 Death Benefit For Active Guard Member

State Sponsored Life Insurance

State Sponsored Life Insurance (SSLI) is a term life insurance program designed by Guardsmen for Guardsmen. SSLI is a supplemental program and not designed to replace SGLI. Please visit the National SSLI web site for more detail at

All 50 States and 4 territories offer SSLI programs.
Contact the main office at:
State Sponsored Life Insurance
c/o AFBA
110 W Johnson Street, Suite 300
Staunton, VA 24401

Contact NGAM at:
PO Box 16675
Essex, MD 21221
443 827-3594

Coverage Overview

$1,000 No Cost life insurance coverage on each Soldier and Airmen

Coverage available from $10,000 to $260,000 on National Guard members under 50.
Members over 50 can get $10,000 to $110,000.

Coverage available from $5,000 to $155,000 on spouses under 50.
Spouses over 50 can get $5,000 to $60,000.

Coverage available to $5,000 for children

Coverage continues until age 70

Emergency benefits are paid within 24-48 hours of notification. (No death certificate required)

Coverage remains the same and monthly rates do not change when you retire or leave the National Guard. One increase at age 50 and a second and final increase at age 60.

Monthly premiums are payroll deducted.

Provides a $40,000 scholarship fund to a surviving spouse or child of an insured member with $100,000 or more of coverage who dies in a combat zone or as a result of terrorism.

No war, aviation, or, terrorism clauses. There is a two year suicide clause.

Armed Forces Benefit Association (AFBA) is a main provider for Basic and Enhanced SSLI coverage through 5Star Life Insurance Company. AFBA was established in 1947 with the support of the Chief of Staff and General of the Army, Dwight D. Eisenhower, to promote the general welfare and economic interest of uniformed military service members and their families during peace and war.


As the proud provider of one of the most comprehensive SSLI programs in the country, AFBA has more than 140,000 National Guard members, retirees, and family members with $14B of insurance in force and has paid out more than $79M in claims. We provide high value life insurance protection with no military specialty or combat or war exclusions to our National Guard members and their families.

bottom of page