Comprehensive Life Insurance Protection for Florida National Guard Members and Families
The State Sponsored Life Insurance (SSLI) program provides group term life insurance exclusively for actively serving members of the Army and Air National Guard organizations and their dependents. The program is derived from United States Public Law 93-289, May 24, 1974, to encourage persons to join and remain in the National Guard.
Key Program Features:
- Exclusive coverage for National Guard members and families
- 24/7 protection for all actively serving guard members
- No military specialty or combat or war exclusions
- Affordable group rates through collective bargaining power
Your Trusted Insurance Partner: AFBA
Armed Forces Benefit Association (AFBA) is a main provider for Basic and Enhanced SSLI coverage through 5Star Life Insurance Company. AFBA was established in 1947 with the support of the Chief of Staff and General of the Army, Dwight D. Eisenhower, to promote the general welfare and economic interest of uniformed military service members and their families during peace and war.
AFBA's Military Heritage
Armed Forces Benefit Association (AFBA) was founded in the basement of the Pentagon in 1947 with the support of General of the Army, Dwight D. Eisenhower. AFBA was created to address a critical need: providing life insurance to military members when commercial companies would not, especially if a service member died in combat.
AFBA has provided survivor benefits in every military conflict from the Korean War to the modern day. Unlike commercial insurance providers, which may apply exclusions for hazardous duty or combat, AFBA's mission is deeply rooted in solving the specific challenges faced by military families.
AFBA by the Numbers
As the proud provider of one of the most comprehensive SSLI programs in the country, AFBA provides high value life insurance protection with no military speciality or combat or war exclusions to our National Guard members and their families.
915,000+
total AFBA members nationwide
140,000+
National Guard members, retirees, and family members covered through SSLI
$14 Billion
of insurance in force
$79 Million+
in claims paid to families
75+ Years
of serving military families without combat exclusions
Coverage Options
Coverage Options 
Important Note: The rates shown below are examples for informational purposes only and may not represent current group life insurance pricing. For the most accurate and personalized rates for members, spouses, and dependents, contact AFBA directly at 800-462-7441.
No Cost $1,000 Death Benefit
Automatic Coverage for Active Guard Members
- All actively serving guard members are covered 24/7
- No cost to the member
- How to Sign Up: Attend your annual SSLI Briefing (ask your commander when it's scheduled)
Basic SSLI Coverage
The Basic program provides financial protection for you and your family in the event of death. It also provides coverage for your spouse and/or children, all at an affordable monthly cost.
Basic Coverage Rates - Members
| Coverage Amount | Monthly Cost |
|---|---|
| $1,000 | No Cost |
| $10,000 | $3.66 |
| $15,000 | $5.33 |
| $20,000 | $7.00 |
| $25,000 | $8.67 |
Basic Coverage Rates - Spouses
| Coverage Amount | Monthly Cost |
|---|---|
| $5,000 | $2.00 |
| $10,000 | $3.66 |
| $15,000 | $5.33 |
| $20,000 | $7.00 |
| $25,000 | $8.67 |
Basic Coverage - Dependents
| Coverage Amount | Monthly Cost |
|---|---|
| $1,000 | $3.33 |
| $10,000 | $6.66 |
Enhanced SSLI Coverage
The Enhanced program provides additional affordable group term life insurance with a level death benefit and only 3 age bands for contributions for members and spouses.
Basic Coverage Rates - Members
| Age group | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|
| 50-59 | $18.00 | $36.00 | $54.00 | $72.00 | $90.00 |
| 60-69 | $44.00 | $88.00 | $132.00 | $176.00 | $220.00 |
* Tobacco user contributions are two (2) times non-tobacco user contributions. Tobacco user is one who has used any tobacco or nicotine product in the past 12 months.
Program Benefits Beyond Life Insurance
Non-Contributory Benefit
A no-cost survivor benefit for all active service members. $1,000 benefit paid by the state National Guard association.
Basic Coverage
Provides financial protection for members and their families. Coverage amounts from $5,000 to $50,000.
Enhanced Coverage
Additional affordable group term life insurance. Level death benefit with only 3 age bands for contributions.
No Exclusions
High-value protection with no military, combat, or war-related restrictions. Covered on and off-duty, with no hazardous or occupational restrictions.
Emergency Death Benefit (EDB)
Keep the Coverage
Provides immediate financial relief to a family following a death. Up to $15,000 can be released after two years of coverage.
The ability to maintain coverage after separating from service or retiring. The policy is portable and not tied to active service.
Charles C. Blanton AFBA Family Survivor College Scholarship
Beyond life insurance, AFBA provides significant educational support for families who have lost a loved one. The Charles C. Blanton AFBA Family Survivor College Scholarship makes surviving spouses and children of eligible fallen members eligible for a scholarship of up to $10,000 per year toward an undergraduate degree, license, or certification. The total maximum benefit for the entire family is capped at $40,000.
This scholarship transforms the policy from a simple death benefit into a comprehensive, multigenerational support system that helps families build their future even after tremendous loss.
Additional Member Benefits
As an AFBA member, you gain access to discounts on travel, healthcare, shopping, entertainment, as well as financial and legal services. AFBA membership means joining a community of over 915,000 members dedicated to supporting those who serve, defend, and protect the nation.
Exclusive Military Benefits
- No Combat Exclusions: Full coverage regardless of deployment or military duties
- No Military Specialty Restrictions: Coverage applies to all Guard roles and missions
- 24/7 Protection: Coverage extends beyond drill weekends and training
Family-Focused Coverage
- Spouse coverage at affordable group rates
- Child coverage from 15 days through age 23
- Family protection that grows with your needs
Proven Reliability
- Over 75 years of serving military families
- Strong financial backing through 5Star Life Insurance Company
- Established track record of paying claims promptly
How to get started
Attend Your Annual SSLI Briefing
Contact your unit commander to find out when your annual SSLI briefing is scheduled. This is required to
activate your free $1,000 death benefit and learn about additional coverage options.
Get More Information
AFBA Customer Service
Toll Free: 800-462-7441
Address: 110 W. Johnson Street, Suite 300, Staunton, VA 24401
Questions About Your Benefits?
Contact NGAFL for assistance with SSLI program questions:
Email: NGAFL1903@Floridaguard.org
Phone: (904) 823-0628
Eligibility Requirements
- Must be an actively serving member of the Florida Army or Air National Guard
- Spouse and dependent coverage available to eligible family members
- Coverage continues as long as you remain in active Guard status
Coverage Highlights
- Group term life insurance rates (lower than individual policies)
- Level death benefits with predictable premiums
- No medical exams required for basic coverage amounts
- Direct payment to beneficiaries
Claims Support
AFBA has paid out more than $79 million in claims, demonstrating our commitment to being there when
Guard families need us most.
Note: Insurance coverage details subject to policy terms and conditions. Contact AFBA directly for complete policy information and current rates.
One Voice. One Mission. Your Florida Guard.
Stand with your fellow Guardsmen. Protect your benefits. Shape your future. See member benefits...
