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Family Servicemembers Group Life Insurance

Army Reserve: Active Duty

Benefit Fact Sheet

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Summary:

Family Servicemembers' Group Life Insurance (FSGLI) is a program provided by the Department of Veterans Affairs for the spouses and dependent children of members insured under the Servicemembers Group Life Insurance (SGLI) program. It provides up to a maximum of $100,000 of insurance coverage for spouses and $10,000 for dependent children.

Eligibility:

FSGLI is available for the spouses and children of Army Reserve Soldiers on active duty who are covered under SGLI. Click here to see the SGLI fact sheet

Benefit Highlights:

The spouses of married Soldiers who are covered under SGLI are automatically covered under FSGLI. Spouses are covered for the maximum amount, unless the Soldier declines or reduces the coverage in writing. Spousal coverage is provided in increments of $10,000 up to a maximum of $100,000, not to exceed the amount of SGLI the insured member has in force. FSGLI premiums, which are in addition to the SGLI premiums, are based on the amount of coverage desired and the spouse's age, as shown on the following table:

Note: A Soldier married to another Soldier can be insured under both the FSGLI and SGLI programs at the same time, for a maximum coverage amount of $500,000.

The FSGLI program is also extended to the dependent children of Soldiers who are insured under the SGLI program. FSGLI provides $10,000 of insurance coverage for each dependent child. FSGLI coverage for dependent children is free.

Termination of FSGLI Spousal Coverage

FSGLI spousal coverage will end 120 days after any of the following events:

• the date the Soldier elects in writing to terminate coverage on the spouse; 
• the date the Soldier elects to terminate his or her own SGLI coverage;
•  the date of the Soldier's death;
•  the date the Soldier separates from service; or
• the date the Soldier divorces the spouse.

However, the Soldier's spouse can convert his or her FSGLI coverage to a policy with a commercial company. Click here for information on spousal conversion.

Termination of FSGLI Dependent Coverage

FSGLI children coverage will end 120 days after the following events:

• the date the Soldier elects in writing to terminate the coverage of the child;
•  the date the Soldier separates from service;
• the date of the Soldier's death; or
•  the date the child is no longer a dependent.

Additional Information:

For more information, please visit the Life Insurance websites maintained by the Department of Veterans Affairs:

Document Review Date: 28 November 2012