Family Servicemembers' Group Life Insurance (FSGLI)
FSGLI is a program that provides term life insurance coverage to the spouses and dependent children of Servicemembers insured under SGLI. The Servicemember pays the premium for spousal coverage. Dependent children are insured at no cost.
Spouses and dependent children of the following are eligible for FSGLI:
Family coverage is available only to members insured under the SGLI program. It is not available to those insured under the VGLI program. If you are covered under full-time SGLI, you are eligible to insure your spouse, regardless of whether your spouse is on active duty, retired, or is a civilian.
FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the Servicemembers’ SGLI coverage amount, and $10,000 for dependent children.
If you are insured under full time SGLI, spouse coverage may or may not be automatic. Please review the table below to determine if your spouse is covered.
|If your spouse is...||and...||then...|
|not a member of the uniformed services||your spouse is automatically covered for the maximum spouse coverage unless you reduce or cancel this coverage.|
|a member of the uniformed services||you married on or after January 2, 2013||you and your spouse are not automatically covered under spouse coverage. You and/or your spouse must apply if you want spouse coverage (see how to apply).|
If you are covered under full time SGLI and your spouse is not automatically covered, you may apply for spouse coverage by completing SGLV Form 8286A and submitting the form to your uniformed service.
You may reduce, decline or cancel your spouse coverage by completing SGLV Form 8286A and submitting the form to your uniformed service. Dependent child coverage is free and cannot be reduced, declined or or canceled.
FSGLI coverage is available in increments of $10,000. You pay a premium for your spouse’s coverage, which increases as your spouse ages. Coverage for your child is provided at no cost until the child is 18, unless the child is a full-time student or becomes permanently and totally disabled and incapable of self-support prior to age 18.
|Amount of Insurance||Age of Spouse|
|under 35||35-39||40-44||45-49||50-54||55-59||60 & Over|
Use the Insurance Needs Calculator to assess your life insurance needs and determine if you have enough coverage.
FSGLI premiums are automatically deducted from your pay. If your spouse is automatically insured, you are responsible for premiums. If your spouse is registered in DEERS, premiums will be automatically deducted from your pay. If you have not registered your spouse, you are still responsible for premiums and when he/she is registered, you will incur a debt for back premiums.
Spouses who are insured under the Family SGLI program have the option to convert Spousal Coverage to an individual policy of insurance within 120 days from any of the following events:
Spouses covered under Family SGLI may convert their coverage to a commercial policy at standard premium rates, without having to provide proof of good health. The conversion policy must be a permanent policy, such as a whole life policy.
Other types of policies, such as Term, Variable Life, or Universal Life Insurance are not allowed as conversion policies. In addition, supplementary policy benefits such as Accidental Death and Dismemberment or Waiver of Premium for Disability are not considered part of the conversion policy.
If a spouse wishes to convert Spousal SGLI Coverage, the spouse must apply for conversion within 120 days from any of the events listed above and must also: