SCRA Insurance Protections
Protect your life insurance from termination, reinstate health coverage after service, and suspend professional liability while deployed.
Your Insurance Rights Under SCRA
SCRA provides three major categories of insurance protection:
Life Insurance Protection Can't Be Cancelled
Your life insurance policy cannot be terminated for nonpayment during active duty. If you can't afford premiums, the policy must be continued under SGLI protection.
Health Insurance Reinstatement No Waiting Periods
After leaving active duty, you can reinstate employer health coverage without waiting periods or pre-existing condition exclusions.
Professional Liability Suspension Save $500-$2,000/yr
Doctors, lawyers, accountants—suspend your professional liability insurance during deployment and get premium refunds.
Life Insurance Protection
Under 50 U.S.C. § 3958, life insurance policies cannot be terminated or lapsed due to nonpayment of premiums during your military service. This includes:
- Term life insurance policies
- Whole life insurance policies
- Universal life insurance policies
- Policies obtained before entering service
If you can't pay premiums, notify your insurer in writing. The government will guarantee the policy through the VA, and unpaid premiums become a lien against the policy (to be repaid after service).
Health Insurance Reinstatement
Under USERRA (works alongside SCRA), you have the right to reinstate employer-sponsored health coverage when you return from active duty:
- No waiting periods—coverage begins immediately
- No exclusions—pre-existing conditions must be covered
- Same coverage level—the plan you had before service
- Applies to dependents—spouse and children are covered too
We Handle Your Insurance Claims Too
Suspension requests, reinstatement documentation, premium refund claims—all included.
Get Started — $59 Filing FeeProfessional Liability Suspension
Under 50 U.S.C. § 3959, professionals can suspend their malpractice/liability insurance during active duty and receive premium refunds. This applies to:
- Physicians and surgeons
- Attorneys
- Accountants and CPAs
- Architects and engineers
- Other licensed professionals
What You Get
- Premium refunds for the suspension period
- Reinstatement rights after service without underwriting
- No gaps in coverage history for licensing purposes
How to Request Suspension
- Send written notice to your insurer
- Include a copy of your military orders
- Request a premium refund for the suspension period
- Ask for written confirmation of reinstatement rights
Claim All Your Insurance Protections
Life insurance protection, health reinstatement documentation, and professional liability suspension—all handled for one price.
Calculate My Savings$59 filing fee • All 21+ protections included