SGLI provides is an insurance policy that provides up to $400,000 of coverage to the beneficiaries of all active or recently active service members. The SGLI is provided by the government for all service members on active duty, it is paid for through a monthly deduction from their pay. There are no underwriting requirements for this insurance at the time of entry into military service. It is automatically given to service members at the maximum amount, and all service members are covered for the same cost regardless of health. Service members must make a request to change or refuse the insurance policy coverage. The coverage ends 120 days after the servicemember leaves the military.