Cancer
All Stages
Cardiac
Heart Attack
Stroke
Neurological
TBI
Traumatic Brain
Combat
Injury / Trauma
Know YourCoverage Gapin 90 Seconds.
SGLI pays your family when you die. Shield pays you when you can't work — cancer, cardiac, stroke, TBI, combat injury. The gap between those two sentences is six figures.
94% first-submission claims approval · $2.1B paid to service families since 2009
Gap Analysis Tool
Three inputs. Ninety seconds. Your number.
Complete all three fields to generate your analysis
Numbers don't negotiate.
Every figure below is drawn from Shield's verified claims record — audited annually by an independent actuary. No projections. No estimates.
Claims Paid
First-submission approval rate, 2023–2025
12,847 claims filed
Average Payout
From diagnosis confirmation to check
No receipts. No reimbursement.
Largest Single Payout
Stage IV cancer, E-7, Fort Bragg, 2024
Covered: treatment, income, spouse leave
Paid to Service Families
Cumulative since 2009
Across all branches and components
Claims data sourced from Shield Group internal actuarial report, Q4 2025. Payout timelines represent median, not mean. Past performance does not guarantee future results. Coverage subject to policy terms and underwriting guidelines.
What SGLI doesn't say on the form.
SGLI is a death benefit. TRICARE is a treatment benefit. Neither was designed for the 18 months you spend alive but unable to work.
| Coverage Area | SGLI | TRICARE | Shield |
|---|---|---|---|
| Coverage Trigger | Death only | Medical treatment costs | Diagnosis — paid immediately |
| Cancer Payout | — | ~62% of treatment costs | Lump sum up to $500K |
| Cardiac Event | — | Inpatient + limited rehab | Full benefit on diagnosis |
| Stroke | — | Outpatient cap: $3,600/yr | No cap on rehab costs |
| TBI / Traumatic Injury | TSGLI: up to $100K | Partial | Up to $500K + TSGLI stacks |
| Income Replacement | — | — | BAH / BAS supplement available |
| Spouse Coverage | Separate FSGLI policy | Covered as dependent | Family rider available |
| Portability (Post-separation) | Converts to VGLI (higher cost) | Transitions to TriCare Reserve | Policy travels with you |
| Payout Method | Lump sum to beneficiary | Reimbursement / provider-paid | Direct lump sum to policyholder |
| Monthly Cost (E-7) | $29/mo (max $500K) | Included in service | From $34/mo (gap coverage) |
See rates sized to your pay grade.
No agent call required. Branch and grade pre-filled from your gap analysis.
Gold Star Advisor
Certified Financial Planner · Ret. USA
I've reviewed hundreds of military financial plans. The gap between what families think SGLI covers and what it actually pays out during a critical illness is the single most dangerous blind spot I encounter. Shield is the first product I've seen that quantifies that gap before the family is sitting in a hospital room doing the math on a phone.
Col. Patricia Hale, CFP (Ret.)
Gold Star Family Financial Advisor · 24 years Army service · Founder, Valor Financial Planning, Arlington, VA
The gap exists whether you know it or not.
Rates are issued by pay grade, not health history. Your branch and grade are pre-filled from the gap analysis above. The quote takes three minutes.
No agent. No phone call. Quote delivered securely to your email. Coverage subject to underwriting approval.