Family Servicemembers’ Group Life Insurance (FSGLI)

Question

Family Servicemembers’ Group Life Insurance (FSGLI)

Family SGLI, also known as Family Servicemembers’ Group Life Insurance (FSGLI), offers coverage for the spouse and dependent children of service members covered under full-time SGLI. Find out how much coverage you may qualify for—and how to apply for and manage your benefits.

Am I eligible for FSGLI?

You may be eligible for FSGLI if you’re the spouse or dependent child of a service member who meets one of these requirements.

One of these must be true:

The service member is on active duty and covered by full-time SGLI, or
The service member is a member of the National Guard or Ready Reserve covered by full-time SGLI

You may qualify to get FSGLI as the spouse of someone with SGLI coverage no matter if your own status is active duty, Reserve, Guard, retired, or civilian.

Who’s covered?

Spouses of service members covered under SGLI
Dependent children of service members covered under SGLI

How much coverage can I get with Family Servicemembers’ Group Life Insurance?

Up to a maximum of $100,000 of coverage for you as a spouse, not to exceed your service member’s SGLI coverage, and $10,000 for each dependent child. Dependent children get free coverage.

How do I get these benefits?

If you’re the civilian spouse of a service member signed up for full-time SGLI

We’ll automatically insure you under FSGLI. In this case, we’ll automatically take your premium out of your service member’s pay.

If you’re a military spouse and you were married on or after January 2, 2013

We won’t automatically cover you. You’ll need your service member to sign up online through the SGLI Online Enrollment System (SOES).

These are the steps to access SOES:

Go to milConnect

Sign in.

Select Manage my SGLI to sign up.

Your service member can log in with their CAC or DS Logon as soon as they receive notice that they can start using SOES.

How much will my service member pay for spousal coverage—and how do the premium payments work?

Your service member will pay a premium for your coverage, which will increase as you age. Choose your age below to view current spousal coverage monthly premium rates based on the amount of insurance coverage you want.

Under 35 years

Coverage amount Monthly premium rate

$100,000 $4.50

$90,000 $4.05

$80,000 $3.60

$70,000 $3.15

$60,000 $2.70

$50,000 $2.25

$40,000 $1.80

$30,000 $1.35

$20,000 $.90

$10,000 $0.45

35 - 39 years

Coverage amount Monthly premium rate

$100,000 $5.30

$90,000 $4.77

$80,000 $4.24

$70,000 $3.71

$60,000 $3.18

$50,000 $2.65

$40,000 $2.12

$30,000 $1.59

$20,000 $1.06

$10,000 $0.53

40 - 44 years

Coverage amount Monthly premium rate

$100,000 $7.00

$90,000 $6.30

$80,000 $5.60

$70,000 $4.90

$60,000 $4.20

$50,000 $3.50

$40,000 $2.80

$30,000 $2.10

$20,000 $1.40

$10,000 $0.70

45 – 49 years

Coverage amount Monthly premium rate

$100,000 $10.00

$90,000 $9.00

$80,000 $8.00

$70,000 $7.00

$60,000 $6.00

$50,000 $5.00

$40,000 $4.00

$30,000 $3.00

$20,000 $2.00

$10,000 $1.00

50 – 54 years

Coverage amount Monthly premium rate

$100,000 $17.00

$90,000 $15.30

$80,000 $13.60

$70,000 $11.90

$60,000 $10.20

$50,000 $8.50

$40,000 $6.80

$30,000 $5.10

$20,000 $3.40

$10,000 $1.70

55 – 59 years

Coverage amount Monthly premium rate

$100,000 $29.50

$90,000 $26.55

$80,000 $23.60

$70,000 $20.65

$60,000 $17.70

$50,000 $14.75

$40,000 $11.80

$30,000 $8.85

$20,000 $5.90

$10,000 $2.95

60 years and older

Coverage amount Monthly premium rate

$100,000 $45.00

$90,000 $40.50

$80,000 $36.00

$70,000 $31.50

$60,000 $27.00

$50,000 $22.50

$40,000 $18.00

$30,000 $13.50

$20,000 $9.00

$10,000 $4.50

If you’re signed up as a spouse in the Defense Enrollment Eligibility Reporting System (DEERS), we’ll automatically deduct the FSGLI premium from your service member’s pay. If you aren’t signed up in DEERS, your service member will still be responsible for premiums and back payments of unpaid premiums.

Can my service member make changes to their FSGLI coverage?

Yes. The service member can reduce, turn down, or cancel spousal coverage by submitting changes online through the SGLI Online Enrollment System (SOES).

These are the steps to access SOES:

Go to milConnect

Sign in.

Select Manage my SGLI.

Check their coverage and beneficiary info and make any needed updates.

Your service member can log in with their CAC or DS Logon as soon as they receive notice that they can start using SOES.
Learn more about SOES

Note: We automatically cover dependent children. You can’t turn down, reduce, or cancel this coverage. And you can’t convert coverage for a child to an individual insurance policy.

How much will my service member pay for dependent coverage?

Nothing. We provide dependent coverage at no cost until the child is 18 years old, or sometimes longer if the child meets one of the requirements listed below.

To continue receiving dependent coverage after age 18, one of these must be true:

The child is a full-time student, or
The child becomes permanently and totally disabled—before turning 18—and can’t support themselves

Can my service member get extended coverage for our dependent child?

Yes, in some cases. Coverage lasts until the child is 18 years old. But, if the child is a full-time student between 18 and 22 years old, we may extend the coverage. Or, if the child becomes permanently and totally disabled before turning 18 and is no longer able to support themselves, we may extend the coverage—in some cases indefinitely.

How do I convert spousal FSGLI coverage to an individual insurance policy?

You have the option to convert spousal FSGLI coverage to a permanent, individual insurance policy (such as whole life) within 120 days from the date of your service member’s:

Separation from the military
Divorce from you
Written election to end spousal SGLI coverage
Written election to end their SGLI coverage
Death

If any of the events listed above happen, you, as the service member’s spouse, become solely responsible for all aspects of the policy, including premium payments.

You can’t convert to other types of policies—such as term, variable, or universal life insurance. And, supplementary policy benefits—such as accidental death and dismemberment or a waiver of the premium for disability—aren’t considered part of the conversion policy.

If you’d like to convert FSGLI coverage, you must also:

Choose a company from the list of companies that take part in this program.
Get a list of the participating companies
Apply at the local sales office of the company you chose.
Give a copy of the most recent Leave and Earnings Statement (LES) to the agent, showing the deduction for spousal SGLI. You’ll also have to provide proof of coverage with one of these documents:
- The service member’s separation document (Form DD214 or NGB-22, or written orders)
- The Certificate of Dissolution of Marriage between the spouse and the service member
- The service member’s FSGLI spousal declination
- The service member’s SGLI declination
- The service member’s proof of death (DD1300: Report of Casualty, or a civilian death certificate)

Which forms would my service member need?

To tell us about the death of a family member covered by the policy, a service member would file a Report of Death of Family Member (SGLV 8700).
Get SGLV 8700 to download
To receive an insurance payment in their time of need, a service member would file a Claim for Family Coverage Death Benefits (SGLV 8283A).
Get SGLV 8283A to download
To request an advance insurance payment for a spouse who’s terminally ill, a service member would file a Claim for Accelerated Benefits (SGLV 8284A).
Get SGLV 8284A to download