While in uniform, SGLI members have traumatic injury coverage through TSGLI, on or off duty. That protection is tied to service. We compare civilian AD&D policies for Oceanside veterans and their families after separation.
Tell us about your household and work, and a licensed agent will follow up by phone or video.
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TSGLI and civilian AD&D both pay for serious accidental losses, but they work differently. Here’s how they compare.
| Feature | TSGLI | Civilian AD&D |
|---|---|---|
| Who's covered | Service members covered by SGLI | Anyone who buys a policy or gets it through work |
| Payment | $25,000 to $100,000 depending on the loss | A set benefit amount with a schedule for specific losses |
| After service | The injury must occur before separation | Coverage continues as long as premiums are paid |
We look at what ends at separation and what you’d want in place.
We explain where AD&D fits beside life insurance, not instead of it.
We compare plans that include a spouse and children.
Traumatic Injury Protection under Servicemembers’ Group Life Insurance pays $25,000 to $100,000 to SGLI members who suffer certain severe injuries, on or off duty. The injury must happen before midnight on the day you leave the military, and the loss must occur within two years of the injury.
Not exactly. Civilian AD&D pays a benefit for accidental death and listed losses like a limb or eyesight, based on the policy’s schedule. TSGLI covers a broader list of traumatic injuries. AD&D can fill part of the gap once TSGLI no longer applies, alongside life and disability coverage.
No. Life insurance pays for death from almost any cause, including illness. AD&D pays only when death or a listed loss results from a covered accident. Because it covers less, it usually costs less, but it isn’t a substitute for life insurance.
Many employers offer group AD&D, sometimes paired with group life insurance. Group coverage typically ends when you leave the job. An individual AD&D policy stays with you from one employer to the next, which some veterans prefer while settling into civilian work.
Common exclusions include illness or disease, self-inflicted injury, acts of war, injuries while committing a crime, intoxication, and use of drugs not prescribed to you. Some policies exclude certain high-risk activities unless a rider adds them. We review exclusions before you choose a policy.
Tell us about your household and work, and a licensed agent will lay out options by phone or video.
AD&D insurance pays only for losses caused by covered accidents and is subject to the exclusions and limitations in the policy. It is not a substitute for life insurance.
