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Life Insurance

Part I: General Provisions of the Family SGLI (FSGLI) Program

Eligibility For FSGLI Coverage

Family SGLI (FSGLI) coverage provides life insurance coverage for the spouses and dependent children of all Servicemembers (Active Duty, Ready Reserve and National Guard) who have full-time SGLI coverage.

A "dependent child" includes any unmarried child in one of the following categories:

  • natural born child
  • legally adopted child
  • stepchild who is a member of the Servicemember's household
  • unmarried dependent child between the ages of 18 and 23 who is pursuing a course of instruction at an approved educational institution
  • child who became permanently incapable of self-support before age 18
  • stillborn child whose death occurs before expulsion, extraction, or delivery, and not for the purposes of abortion, and:
    • (1) whose fetal weight is 350 grams or more; or
    • (2) if the fetal weight is unknown, whose duration in utero was 20 or more completed weeks of gestation, calculated from the date the last normal menstrual period began to the date of expulsion, extraction, or delivery.

FSGLI Coverage Levels

Spouse Coverage

Spouse coverage is a maximum of $100,000 and can be in lesser amounts in increments of $10,000. However, spouse coverage cannot exceed the Servicemember's level of SGLI coverage.

Example: If the Servicemember's coverage is for any level of coverage between $400,000 and $100,000, then the spouse coverage can be as high as $100,000. If the Servicemember's coverage is $50,000, then the spouse coverage can be no more than the Servicemember's level of coverage.

Servicemembers married to Servicemembers can be covered under both their own member's SGLI for $400,000 and their spouse's FSGLI for $100,000 for a maximum combined coverage of $500,000.

Dependent Child Coverage

Dependent child coverage is the set amount of $10,000 for each dependent child.

Automatic Coverage

FSGLI coverage begins automatically for Servicemembers who:

Spouse coverage is automatically set at the maximum level of $100,000 or the Servicemember's SGLI coverage level, if it is less than $100,000.

Automatic coverage begins with the following events:

Important: FSGLI spouse coverage is not automatic for Servicemembers who married other Servicemembers on or after January 2, 2013. Servicemembers in this category will have to apply for coverage using form SGLV 8286A

Note: The automatic coverage feature of FSGLI applies to any of the above duty status' - no matter if they have declined or reduced coverage previously. No SGLV 8286A needs to be completed to have the coverage. However, a payroll action may need to be done in some of these situations in order to begin premium collection. If no coverage or less than maximum coverage is desired, the member must complete an SGLV 8286A at the time of entry onto the new duty status

FSGLI Premiums

The Servicemember pays premiums for the spouse coverage. The dependent child coverage is free.

Premiums for spouse coverage are due the month of the event that causes coverage to occur (e.g. Nov 1, 2001, induction of the Servicemember into service or the date of a marriage while in service). If the member does not notify the service of his/her marriage, premiums for spouse coverage are still due and will be collected retroactively.

For Army, Navy and Air Force, the collection of FSGLI premiums is based upon the spouse's birth date in DEERS. If the spouse is not registered in DEERS, premiums will not be withheld from the Servicemember's pay, however, premiums for spouse coverage are still due and will be collected retroactively. (Servicemembers married to Servicemembers must register each other as a spouse in their respective DEERS records.)

Unlike Servicemember's SGLI premiums that are one premium rate for all members, spouse 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. (See Appendix B - FSGLI spouse Coverage Premium Rates for the premium rates for each spouse age bracket.)

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.

For Army, Navy and Air Force, the member must report to DEERS via RAPIDS changes such as divorce or death of a spouse in order to stop premium collection.

FSGLI Beneficiary

The Servicemember is the beneficiary of the FSGLI coverage, so no naming of a beneficiary is needed. A Servicemember is not entitled as beneficiary if he/she is convicted or pleads guilty to involvement in the death of the spouse or the dependent child. In such cases, the beneficiary or beneficiaries are determined under 38 USC 1970(a).

Beneficiary Financial Counseling Service (BFCS)

BFCS is available to a Servicemember who claims the FSGLI upon the death of a spouse. BFCS provides no-cost personal financial counseling to beneficiaries of FSGLI policies. The Servicemember will be notified of this benefit when they receive the payment of the proceeds of their FSGLI.

Online Will Preparation Service

The online will preparation service enables beneficiaries to quickly and easily prepare a will without an attorney. After answering a series of straightforward questions, the beneficiary will receive a legal will, valid in all states, ready to print and sign.

Conversion

When the FSGLI coverage ends under certain circumstances, there is 120 days of free coverage and the spouse can convert the spouse FSGLI coverage to a commercial life insurance policy. If the insurance is converted within the 120 day period, proof of good heath is not needed. Dependent child coverage cannot be converted. More information about conversion is available on our conversion information page. The spouse can get information about conversion by contacting the Office of Servicemembers' Group Life Insurance (OSGLI)

Accelerated Benefits Option (ABO)

The Accelerated Benefit Option (ABO) gives the Servicemember access to the death benefits of the FSGLI policy before the death of a terminally-ill spouse. The member may receive up to 50% of the face value of the spouse coverage through the ABO. The ABO is available in $5,000 increments. In order to qualify for the ABO, the spouse must have a medical prognosis of life expectancy of nine months or less. Only the Servicemember can apply for ABO and the benefit will be paid only to the Servicemember. More information about ABO is available on our Accelerated Benefits Option information page.