Family Servicemembers’ Group Life Insurance (FSGLI)

What kind of life insurance benefits can I get with FSGLI?

Up to a maximum of $100,000 of coverage for you as a spouse, not to exceed your Servicemember’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 Servicemember 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 Servicemember’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 to sign up through your Servicemember.

If your Servicemember’s branch of service has started using the new SGLI Online Enrollment System (SOES), have your Servicemember sign you up online.

To access SOES, have your Servicemember:

1. Go to milConnect.

2. Sign in.

3. Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to sign up.

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

If your Servicemember’s branch of service hasn’t yet started using SOES, fill out the Spouse Coverage Election and Certificate and have your Servicemember turn it in to the personnel office for their unit.
Download the Spouse Coverage Election and Certificate.

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

Your Servicemember 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	$5.00
  $90,000	$4.50
  $80,000	$4.00
  $70,000	$3.50
  $60,000	$3.00
  $50,000	$2.50
  $40,000	$2.00
  $30,000	$1.50
  $20,000	$1.00
  $10,000	$0.50

• 35 - 39 years

  Coverage amount	Monthly premium rate
  $100,000	$6.50
  $90,000	$5.85
  $80,000	$5.20
  $70,000	$4.55
  $60,000	$3.90
  $50,000	$3.25
  $40,000	$2.60
  $30,000	$1.95
  $20,000	$1.30
  $10,000	$0.65

• 40 - 44 years

  Coverage amount	Monthly premium rate
  $100,000	$8.50
  $90,000	$7.65
  $80,000	$6.80
  $70,000	$5.95
  $60,000	$5.10
  $50,000	$4.25
  $40,000	$3.40
  $30,000	$2.55
  $20,000	$1.70
  $10,000	$0.85

• 45 – 49 years

  Coverage amount	Monthly premium rate
  $100,000	$13.00
  $90,000	$11.70
  $80,000	$10.40
  $70,000	$9.10
  $60,000	$7.80
  $50,000	$6.50
  $40,000	$5.20
  $30,000	$3.90
  $20,000	$2.60
  $10,000	$1.30

• 50 – 54 years

  Coverage amount	Monthly premium rate
  $100,000	$25.00
  $90,000	$22.50
  $80,000	$20.00
  $70,000	$17.50
  $60,000	$15.00
  $50,000	$12.50
  $40,000	$10.00
  $30,000	$7.50
  $20,000	$5.00
  $10,000	$2.50

• 55 – 59 years

  Coverage amount	Monthly premium rate
  $100,000	$37.00
  $90,000	$33.30
  $80,000	$29.60
  $70,000	$25.90
  $60,000	$22.20
  $50,000	$18.50
  $40,000	$14.80
  $30,000	$11.10
  $20,000	$7.40
  $10,000	$3.70

• 60 years and older

  Coverage amount	Monthly premium rate
  $100,000	$50.00
  $90,000	$45.00
  $80,000	$40.00
  $70,000	$35.00
  $60,000	$30.00
  $50,000	$25.00
  $40,000	$20.00
  $30,000	$15.00
  $20,000	$10.00
  $10,000	$5.00

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 Servicemember’s pay. If you aren’t signed up in DEERS, your Servicemember will still be responsible for premiums and back payments of unpaid premiums.

Can my Servicemember make changes to my coverage?

Yes. If you have spousal coverage and you want to reduce, turn down, or cancel it:

If your Servicemember’s branch of service has started using the new SGLI Online Enrollment System (SOES), have your Servicemember submit your changes online.

To access SOES, have your Servicemember:

1. Go to milConnect.

2. Sign in.

3. Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to update.

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

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

If your Servicemember’s branch of service hasn’t yet started using SOES, fill out the Spouse Coverage Election and Certificate and have your Servicemember turn it in to the personnel office for their unit.
Download the Spouse Coverage Election and Certificate.
Learn more about SOES and find out if your branch is using this new system.

Note: We automatically cover dependent children. This coverage can’t be turned down, reduced, or canceled.

How much will my Servicemember 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
• Becomes permanently and totally disabled—before turning 18—and can’t support themselves

Can my Servicemember 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 a spousal FSGLI policy 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 Servicemember’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 above events happen, you, as the Servicemember’s spouse, become solely responsible for all aspects of the policy, including premium payments.

You can’t convert 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.
  View the companies you can choose from.
• 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 Servicemember’s separation document (Form DD214 or NGB-22, or written orders)
  • The Certificate of Dissolution of Marriage between the spouse and the Servicemember
  • The Servicemember’s FSGLI spousal declination
  • The Servicemember’s SGLI declination
  • The Servicemember’s proof of death (DD1300: Report of Casualty, or a civilian death certificate)

Where can I find more information?

Read our insurance publications.