Family SGLI Benefits
Complete guide to Family Servicemembers' Group Life Insurance (FSGLI) - coverage options for military spouses and dependent children.
What is Family SGLI?
Family Servicemembers' Group Life Insurance (FSGLI) provides term life insurance coverage for the spouses and dependent children of service members covered by SGLI. This program ensures that military families have comprehensive life insurance protection at affordable rates.
Spouse Coverage
Up to $100,000 in coverage for military spouses with flexible premium options.
Child Coverage
$10,000 automatic coverage for dependent children at no additional cost.
Spouse Coverage (FSGLI)
Coverage Details
Coverage Amount
$10,000 to $100,000 in $10,000 increments
Eligibility
- • Spouse of SGLI-covered service member
- • Not separated or divorced
- • Not covered by their own SGLI
Premium Structure
Age-based premiums, paid by service member
Key Features
- • Renewable term life insurance
- • No medical exam required
- • Automatic coverage reduction at age 35
Child Coverage
Automatic Protection
$10,000 Coverage
Automatic coverage for all dependent children at no additional cost
Age Coverage
Birth to age 18 (or 23 if full-time student)
No Enrollment Required
Coverage begins automatically when child is added to DEERS
Premium Rates
Spouse Premium Structure
Premiums are based on the spouse's age and coverage amount. Rates are significantly lower than civilian term life insurance due to the group nature of the program.
Sample Monthly Rates (per $1,000 of coverage)
Under 35
$0.55
35-39
$0.75
40-44
$1.00
45+
$1.50+
Child Coverage
No additional premium required - Child coverage is included automatically when the service member has SGLI coverage.
Coverage Features
No Medical Exam
Coverage available without health screening or medical exams
Affordable Rates
Group rates significantly lower than individual policies
Easy Enrollment
Simple enrollment process through military personnel office
Important Considerations
Coverage Limitations
- • Spouse coverage automatically reduces to $10,000 at age 35
- • Coverage ends if service member's SGLI terminates
- • Child coverage ends at age 18 (or 23 if full-time student)
- • No conversion options available for family members
When Coverage Continues
- Coverage continues during service member's deployment
- Remains active during temporary duty assignments
- Continues during service member's hospitalization
How to Enroll
Spouse Coverage
Complete SGLV 8286 form and submit to your personnel office. Coverage begins the first day of the month following enrollment.
Child Coverage
No enrollment required - coverage is automatic when children are added to DEERS and you have SGLI coverage.