Family SGLI Coverage (Life Insurance)

Family SGLI (FSGLI) coverage provides life insurance coverage for the spouses and dependent children of all service members (Active Duty and Ready Reserve) who have full-time SGLI coverage. A “dependent child” includes the following:

  • natural born child
  • legally adopted child
  • stepchild who is a member of the servicemember’s household
  • child between the ages of 18 and 23 who is a full-time student
  • child who is permanently incapable of self-support before age 18

    Spousal & Dependent Child Coverage

    Spousal coverage is a maximum of $100,000 and can be in lesser amounts in increments of $10,000. However, spousal coverage cannot exceed the service member’s level of SGLI coverage.

    Example: If the service member’s coverage is for any level of coverage between $250,000 and $100,000, then the spousal coverage can be as high as $100,000. If the service member’s coverage is $90,000 to $10,000, then the spousal coverage can be no more than the service member’s level of coverage.

    Service members married to service members can be covered under both their own member’s SGLI for $250,000 and their spouse’s FSGLI for $100,000 for a maximum combined coverage of $350,000.

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

    Automatic Coverage

    FSGLI coverage begins automatically for service members who:

    • were married when the program began on November 1, 2001
    • enter service and are married/has dependent children OR
    • get married/gain a dependent child during service AND
    • have full-time SGLI coverage

    Spousal coverage is automatically at the maximum level of $100,000 or the service member’s SGLI coverage level if it is less than $100,000.

    Automatic coverage begins with the following events:

    • the date of induction into service
    • the date of a marriage while in service (after Nov. 1, 2001)
    • the date a child becomes a dependent (i.e. date of birth, date of adoption, date entered the household)

    FSGLI Premiums

    The service member pays premiums for the spousal coverage. The dependent child coverage is free.

    Premiums for spousal coverage are due the month of the event that causes coverage to occur (e.g. Nov 1, 2001, induction of the service member 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 spousal coverage are still due and will be collected retroactively.

    For Army, Navy, and Air Force, the collection of FSGLI premiums is based on the spouse and the spouse’s birth date being registered in DEERS. If the spouse is not registered in DEERS, premiums will not be withheld from the service member’s pay. (Service members married to service members must register each other as a spouse in their respective DEERS records.)

    Unlike a service member’s SGLI premiums that are one premium rate for all members, spousal 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 for the premium rates for the spousal age brackets.)

    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 spouse’s date of death must be reported to DEERS via RAPIDS in order to stop premium collection.

    FSGLI Beneficiary

    The service member is the beneficiary of the FSGLI coverage, so no naming of a beneficiary is needed. A service member 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 service member who claims the FSGLI upon the death of a spouse. BFCS provides free personal financial counseling to beneficiaries of FSGLI policies. The service member will be notified of this benefit when they receive the payment of the proceeds of their FSGLI.


    When the FSGLI coverage ends under certain circumstances, there is120 days of free coverage and the spouse can convert the spousal 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. The spouse can get information about conversion by contacting the Office of Servicemembers’ Group Life Insurance (OSGLI) by telephone or letter.

    Telephone number: 1-800-419-1473. Address: 290 W Mt Pleasant Ave Livingston, NJ 07039-2747

    Accelerated Benefits Option (ABO)

    Service members with FSGLI coverage have access to up to 50% of the face value of the spousal 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 service member can apply for ABO and the benefit will be paid only to the service member.