Family Servicemembers’ Group Life Insurance (FSGLI) Eligibility for a spouse to Convert to Permanent Plan Insurance with Private Insurer.  Life Event Occurs.  Spouse has 120 days from these events.  • Death of SGLI Member.  • Divorce from SGLI Member.  • Separation from service by SGLI Member.  
• Date Servicemember declines SGLI coverage.  • Date Servicemember declines Spousal coverage.  120 Days
Process.  • Contact participating insurers*.  • Provide insurer with proof of:  • Life event.  • FSGLI coverage at time of event
Note: FSGLI spousal coverage cannot be converted to VGLI.  *Go to  
If spouse applies within the time limits, spouse will get insurance without meeting health requirements. />
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