Family Servicemembers' Group Life Insurance (FSGLI)

FSGLI is a program that automatically 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.

Eligibility

Spouses and dependent children of the following are eligible for FSGLI:

• Active duty Servicemembers covered by full-time SGLI
• Members of the National Guard or Ready Reserve of a uniformed service covered by full-time SGLI

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 SGLI, you are eligible to insure your spouse, regardless of whether your spouse is on active duty, retired, or is a civilian.

Coverage

Maximum spouse coverage is issued automatically, but can be declined or reduced in writing by the Servicemember. As the Servicemember, you are always the beneficiary of FSGLI coverage. 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. Visit our FSGLI Procedural Guide for more information about spouse and dependent coverage

Cost/Rates

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.

Spousal Monthly Premium Rates

Use the Insurance Needs Calculator to assess your life insurance needs and determine if you have enough coverage.

How to Apply

If you qualify as eligible for FSGLI, you are automatically enrolled and do not need to apply for coverage. However, to reduce, decline, or restore FSGLI coverage, you must complete and submit SGLV Form 8286A. If you decline spousal coverage, you can later apply for coverage for your spouse by completing SGLV Form 8286A and providing proof of insurability (proof of good health). You should contact your Personnel Office for any changes to Family SGLI coverage.

Converting FSGLI Coverage

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:

• The date of the Servicemember's separation from the military
• The date of the Servicemember's divorce from current spouse
• The date of the Servicemember's written election ( SGLV Form 8286A) to terminate Spousal SGLI coverage
• The date of the Servicemembers written election (SGLV Form 8286) to terminate his/her SGLI coverage
• The date of the Servicemember's death.

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:

• Select a company from the Participating Companies listing
• Apply to a local sales office of the company selected
• Give a copy of the most recent Leave and Earnings Statement to the agent, showing the deduction for Spousal SGLI, along with an applicable proof of coverage from the list below:
  1. The Servicemember's separation document (Form DD-214 or NGB-22, or written orders)
  2. The Certificate of Dissolution of Marriage between the spouse and the Servicemember
  3. The Servicemember's FSGLI Spousal declination ( SGLV Form 8286A
  4. The Servicemember's SGLI declination (SGLV Form 8286)
  5. The Servicemember's proof of death (Report of Casualty Form DD 1300 or civilian death certificate)