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The NGASC Life Insurance Program is available to all South Carolina National Guard Soldiers and Airmen. Since May 2007, our association has provided a no cost $1,000 death benefit for active guard members. Active Guard members are covered 24/7 whether drilling or not. The only requirement is to complete an application, designate a beneficiary, and have your signature witnessed by one of the licensed association representatives.

Our Basic Policy provides financial protection in the event of death. It also provides coverage for your spouse and/or children at an affordable monthly cost. Basic coverage gives you five benefit options, between $5,000 to $50,000. Answer three simple health questions for coverage. Premiums are payroll deducted. You may continue this insurance at the same rate upon retiring or separating from the SCNG up until the age of 70. Soldiers and Airmen that have Basic coverage, the emergency death benefit payment is up to $10,000 (must have at least $10,000 in coverage) payable within one business day of notification.

Our Enhanced Policy provides additional financial protection to Soldiers and Airmen who have the maximum coverage on the basic policy. The enhanced coverage is available in $50,000 increments up to $400,000. The enhanced policy provides affordable term life insurance with a level death benefit and only three age bands for contributions. You and your spouse can purchase a $50,000 of protection for a little as $4 a month if under the age of 50 as a non-tobacco user. No medical exam for Guard members under the age of 50 applying for up to $250,000 of coverage and ages 50-59 up to $100,000. For spouses, no medical exam under the age of 50 up to$150,000 of coverage. The enhanced policy is 24-hour coverage with no war or terrorism exclusions. The emergency death benefit is up to $15,000 payable within one business day of notification. Full coverage continues after retirement or separation long as contributions are paid, coverage continues to age 70.

The Enhanced coverage comes with AFBA Family survivor college scholarship. Surviving spouse and children are eligible for $10,000 per year, per family, up to a total maximum benefit of $40,000 toward a college degree if member dies in a combat zone resulting from combat action or acts of foreign or domestic terrorism.

For all questions and to keep the NGASC up-to-date of any status change you have call (803) 254-8456.



If you would like our Insurance Program and NGASC benefits briefed to your Soldiers and/or Airmen at your unit location, please contact NGASC Benefits Manager, Jimmy Foley at (803) 719-0567 /

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