SGLI Coverage A member of IRR is not entitled to full-time SGLI coverage. The following provisions are applicable: SGLI continues for 120 days from the discharge date from active duty. You are eligible for part-time SGLI which provides coverage only for the actual time you are on inactive duty for training. You are also eligible for VGLI and may apply for permanent insurance with any commercial company offering insurance and participating in the SGLI Conversion Pool. Please visit the following link for more information regarding the SGLI conversion policy: converting your SGLI policy. Your Family SGLI Coverage 120 days after separation from service, Family SGLI coverage ends. During this time, the spouse of a service member is eligible for permanent insurance with any company offering commercial insurance and participating in the SGLI Conversion Pool. No family coverage is offered under the VGLI program. The following link can be accessed for more information: converting your spouses Family SGLI policy. Note: The only exception to this is if a service member is on IRR status. The member should have been assigned to a unit and must also have been scheduled for drill at least 12 times annually even if the member falls under the non-pay category. Examples of IRR duty are the IMA status in the Army Reserve and VTU status in Naval Reserve. In such cases, full time Family SGLI and SGLI coverage can be maintained by the service member.