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Life Insurance

Part V: Increasing FSGLI Coverage Level

General Information

SGLV Form 8286A must be completed in order to increase FSGLI coverage. The "good health" of the spouse is an issue in being eligible to increase FSGLI coverage. The health questions must be answered.

An election to increase coverage made on SGLV Form 8286A takes effect upon the date the form is received by the Servicemember's unit - if "good health" is not at issue. If a determination of "good health" is necessary by the Office of Servicemembers' Group Life Insurance (OSGLI), the coverage does not go into effect until an affirmative decision is made. A premium for the new higher coverage is due for the month the unit receives the election, once "good health" is established.

An election to increase FSGLI coverage applies only to spouse coverage (dependent child coverage is fixed at $10,000).

Increasing FSGLI Spouse Coverage

The FSGLI coverage can be increased, after it has been decreased, by the following events:

  1. Servicemember's change in duty status begins automatic increase to maximum coverage
  2. Servicemember elects to increase SGLI coverage
  3. Servicemember elects to increase FSGLI coverage

1. Servicemember's change in duty status begins automatic increase to maximum coverage

After a Servicemember has chosen to have a reduced amount of SGLI coverage and/or FSGLI coverage, except as provided in note#1 below, a change in duty status* will automatically increase both SGLI and FSGLI coverage back to the maximum level. The member is not required to complete SGLV Form 8286 and/or SGLV Form 8286a in this situation.

Note 1: FSGLI spouse coverage is never automatic in any case where a Servicemember is married to another Servicemember and the date of the marriage is after January 1, 2013.

Example: A married Ready Reservist has filled out the SGLV 8286A reducing FSGLI coverage to $50,000. Upon mobilization, his SGLI coverage automatically increases to $400,000 and his FSGLI automatically increases to the maximum amount, $100,000, effective on the date of mobilization. Premium collection begins on the first day of the month of mobilization.

2. Servicemember elects to increase SGLI coverage

After a Servicemember has chosen to have a reduced amount of member's SGLI coverage (and therefore, possibly a reduced amount of FSGLI coverage), he/she must complete a SGLV Form 8286 in order to restore his/her member's SGLI. However, FSGLI coverage is not automatic in this case. If the Servicemember wishes to have FSGLI coverage increased also, he/she must also complete a SGLV Form 8286A.

Example: Based on prior elections, the member's SGLI coverage is at $50,000 and FSGLI spouse coverage is at $20,000. The Servicemembers' SGLV Form 8286 electing to increase his/her SGLI coverage to $200,000 is received on February 8, 2002. If the Servicemember wishes to also increase FSGLI coverage, he/she must also complete a SGLV Form 8286A (including the health questions concerning the spouse). Assuming all health questions are answered "No," the new higher premium deduction begins immediately with the February pay. If any health question is answered "Yes," OSGLI must approve the coverage before premiums begin. If OSGLI approves the coverage in February, the new higher premium begins with the February pay.

3. Servicemember elects to increase FSGLI coverage

After a Servicemember has chosen to decrease FSGLI coverage and elects to increase the coverage, he/she must complete a SGLV Form 8286A.

All of the health questions pertaining to the spouse must be answered. If any of the questions are answered "Yes," the election must be referred to the Office of Servicemembers' Group Life Insurance (OSGLI) for a decision on coverage. The higher premiums are not due until OSGLI determines coverage is approved. If increased coverage is approved, the higher premiums are due back to the month the election was received by the service.

The Servicemember can increase FSGLI coverage to any coverage level from $100,000 to $10,000 in increments of $10,000, however the spouse's coverage cannot be more than the Servicemember's coverage level (i.e. if a Servicemember has $50,000 of SGLI coverage, then the spouse coverage can be increased to no more than $50,000).

Example: Based on a prior election, FSGLI spouse coverage is at $20,000. The Servicemember's election to increase the spouse coverage to $80,000 is received on February 8, 2002. Assuming all health questions are answered as "No", the new higher premium deduction begins immediately with the February pay. If any health question is answered as "Yes", OSGLI must approve the coverage before premiums begin. If OSGLI approves the coverage in February, the new higher premium begins with the February pay.