Dear,  
 
This is in reference to your application for correction of your naval record pursuant to Section 1552 of Title 10, United States Code.  After careful and conscientious consideration of relevant portions of your naval record and your application, the Board for Correction of Naval Records (Board) found the evidence submitted insufficient to establish the existence of probable material error or injustice.  Consequently, your application has been denied. 
 
A three-member panel of the Board, sitting in executive session, considered your application on 16 February 2021.  The names and votes of the members of the panel will be furnished upon request.  Your allegations of error and injustice were reviewed in accordance with administrative regulations and procedures applicable to the proceedings of this Board.  Documentary material considered by the Board consisted of your application, together with all material submitted in support thereof, relevant portions of your naval record and applicable statutes, regulations and policies.  In addition, the Board considered the advisory opinion contained in Commander, Navy Reserve Forces Command letter 5420 Ser N1/845 of 29 December 2020; a copy of which was previously provided to you for comment.   
 
You requested remission of debt for Servicemembers’ Group Life Insurance (SGLI) coverage.  The Board, in its review of your entire record and application, carefully weighed all potentially mitigating factors, to include your assertions.  However, the Board concluded that Bureau of Naval Personnel Instruction 1001.39F indicated upon transfer to the Voluntary Training Unit (VTU), personnel will sign a NAVPERS 1070/613, Administrative Remarks acknowledging coverage affected due to change in status.  A review of your record reflects you elected SGLI coverage on 10 February 2010 and again on or about 15 April 2011.  Additionally, you elected Family SGLI coverage on 6 February 2010 and on 14 April 2012.  Thereafter, you transferred to the VTU effective 11 July 2012, and your orders indicated, “Member has signed a Page 13 acknowledging the counseling about his/her benefits and incentives”.  There was no indication in your record of a subsequent election to decline SGLI coverage prior to your retirement effective 1 January 2018.  In this connection, the Board substantially concurred with the comments contained in the advisory opinion. 
 
You are entitled to have the Board reconsider its decision upon submission of new matters, which will require you to complete and submit a new DD Form 149.  New matters are those not previously presented to or considered by the Board.  In this regard, it is important to keep in mind that a presumption of regularity attaches to all official records.  Consequently, when applying for a correction of an official naval record, the burden is on the applicant to demonstrate the existence of probable material error or injustice.   
 
Sincerely, 
                                                                 
  3/7/2021