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Family SGLI Frequently Asked Questions
Below you will find the answers to some frequently asked questions concerning Family Coverage as well as links to family coverage forms.
Eligibility
Amount of Coverage
Reducing and Declining Coverage
Premiums
Effective Date for Family Coverage
Termination of Family Coverage
Conversion
Payment of Proceeds
Forms
Family coverage is available for the spouses and children of:
- Active duty service members and
- Members of the Ready Reserve or Guard of a uniformed service
Note: Family coverage is available only for members insured under the SGLI program. It is not available for those insured under the VGLI program.
No. Only spouses and dependent children are eligible for coverage.
Yes. Eligibility for spousal coverage is based on the status of the member covered under SGLI . All active duty members covered under SGLI are eligible to insure their spouses, regardless of whether their spouse is an active duty member, retired or a civilian.
Yes, he will be insured as soon as he becomes a member of your household, provided he has not yet reached age 18. He can be insured between the ages of 18 and 23, if he is pursuing a course of instruction at an approved educational institution.
Yes. Your spouse can be insured under both SGLI spousal coverage and his or her own VGLI coverage. Unless you decline coverage for your spouse, he or she will automatically be insured under SGLI spousal coverage and will also be able to maintain his or her own VGLI coverage.
Your spouse will not pay premiums for his or her spousal coverage. It is important to understand that family insurance coverage belongs to the SGLI insured member and not to the spouse. Premiums for spousal coverage will be deducted from your pay. If your spouse maintains VGLI coverage, he or she continues to pay VGLI premiums.
No, there is no Family or Spousal coverage available under the VGLI program at this time.
Yes, each of you can be insured under both basic SGLI and SGLI family coverage for the maximum coverage amount of $500,000 for each spouse. To ensure that both you and your spouse have spousal coverage, each of you must have the other listed as spouses on your DEERS record.
Any unmarried dependent child under the age 18 is automatically covered under family insurance. This includes all: natural born children, legally adopted children and stepchildren who are members of the service members household. In addition, unmarried children who, after attaining the age of 18 years and until completion of education or training (but not after attaining the age of 23 years), are pursuing a course of instruction at an approved educational institution are covered. And any unmarried child who became permanently incapable of self-support before the age of 18 is covered.
Yes. Your spouse will be eligible for spousal coverage at the same premium rate, regardless of his or her health. However, if you decline coverage now and later want to insure your spouse, proof of his or her good health will be required.
Your dependent children, as defined above, are covered for free, regardless of their health.
Yes. You can later apply for coverage for your spouse by completing a form SGLV-8285A and providing proof of insurability (proof of good health).
You may purchase up to $100,000 of SGLI coverage for your spouse, in increments of $10,000. However, you may not purchase more SGLI coverage for your spouse than you have for yourself. For example, if you have $50,000 of SGLI coverage, you may purchase only $50,000 of SGLI coverage for your spouse.
Each dependent child of every active duty service member, reservist or National Guard member who is insured under SGLI is automatically insured for $10,000.
No. The maximum benefit under family coverage for any one child is $10,000.
If you do not want insurance coverage for your spouse or want a reduced amount of coverage, you must complete form SGLV-8286A, Family Coverage Election, and submit the completed form to your personnel officer.
If you want less than the maximum amount of coverage for your spouse ($100,000 or the amount of the members coverage, whichever is less), you must complete form SGLV-8286A, Family Coverage Election, and submit the completed form to your personnel officer.
Yes. As indicated above, you need to complete the form SGLV-8286A and provide a copy to your personnel department.
Follow this link for the monthly premiums for coverage for your spouse based on his or her age and amount of coverage. Spousal premiums were reduced effective July 1, 2006.
SGLI coverage for children is free.
The premium for your spouse will automatically be deducted from your pay until you separate from service. Coverage will continue, at no extra cost to you, for 120 days following your separation from service.
You will pay no premiums for your children, since coverage for them is free.
Yes. Beginning November 1, 2001 (the effective date of the law), SGLI coverage for your spouse and children is automatic. Premiums for your spouse's coverage will automatically be deducted from your pay. It is important that the information concerning your spouse and children contained in your personnel and payroll files is accurate and up to date.
Yes, premiums will automatically be deducted from each spouse's pay for coverage for his or her spouse. Each of you must register the other as your spouse in DEERS. If one or both members decline or reduce coverage for his or her spouse, they must complete a form SGLV 8286A.
No. Premiums for spousal coverage will not be deducted from the pay of unmarried SGLI policyholders. Premiums will be deducted based on information contained in your personnel and payroll files. If you are not married and your records indicate so, no premium will be deducted for spousal coverage.
The initial deadline for you to decline or reduce coverage and still receive a full refund of premiums was November 1, 2001. However, this deadline was extended to December 31, 2001 to provide members sufficient time to make that election. A form SGLV 8286A must have been completed and submitted prior to December 31, 2001 to receive a refund of premiums deducted.
If you decline spousal coverage after December 31, 2001, that election will not be effective until the first day of the month following the election. Any premiums deducted prior to the effective date of the election will not be refunded. For example, if you make an election to decline coverage by submitting the Form SGLV 8286A on March 13, 2002, that election does not become effective until April 1, 2002 and the premiums deducted in March will not be refunded. However, if a premium is improperly deducted in the month of April, your branch of service will provide refund of that premium.
Spousal premiums are based on age brackets. When a spouse moves to a new age bracket, the new higher premium begins the first day of the month following the birth month.
For Army, Navy and Air Force, the spouse’s birth date in DEERS determines the premium rate to be collected. If the spouse’s birth date is incorrect in DEERS, the incorrect premium rate will be collected. And if the spouse’s birth date is not in DEERS, premiums will be collected at the maximum rate. Please refer the the FSGLI Procedures Guide on this site for more information about rates and collection.
If you are currently married, coverage for your spouse will begin on November 1, 2001, when the law goes into effect. If you marry after the effective date of the law, coverage will begin on the date of your marriage.
Coverage for your children begins on November 1, 2001, when the law goes into effect. Coverage for children born after the effective date begins on the date of their birth. If you adopt a child, coverage begins on the date of adoption.
Coverage for your spouse will end 120 days after any of the following events:
- The date you elect in writing to terminate your spouse's coverage
- The date you elect in writing to terminate your own coverage
- The date of your death
- The date your SGLI coverage terminates
- The date of your divorce
However, your spouse can convert his or her coverage to a policy with a commercial company. See information under Conversion.
Coverage for your children ends 120 days after any of the following events:
- The date you elect in writing to terminate your coverage
- The date your SGLI coverage terminates
- The date of your death
- The date your child is no longer your dependent
Yes. Your spouse may elect to convert his or her coverage to a commercial policy with a participating company within 120 days following one of the events listed above. The Office of Servicemembers' Group of Life Insurance (OSGLI) will provide you with conversion information and a list of participating companies.
No, VGLI coverage is not available for spouses.
No, there are no conversion options available to children.
The service member is paid the proceeds due to the death of a spouse.
The service member is paid the proceeds upon the death of a child.
The proceeds will be paid to the member who was eligible for coverage the longest. If you are separated or divorced, insurance for your child will be paid to the member who has custody of the child.
No. The beneficiary of the spouse and the child coverage will be the member. If the member were to die before payment could be made, the proceeds of a spouse or child claim would be paid to the member's beneficiary, as designated by the member on the form SGLV 8286.
Click on one of the links below to access SGLI Family Coverage forms.
SGLV-8286A, Family Coverage Election
SGLV-8285A, Request for Family Coverage
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