Family Service members’ 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 able to get FSGLI if you’re the spouse or dependent child of a service member who meets one of the requirements listed below.
One of these must be true. The service member is:
On active duty and covered by full-time SGLI, orA 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, retired, or civilian.
Spouses of service members covered under SGLI Dependent children of service members covered under SGLI
How much coverage can I get with Family Service members’ 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 to sign up through your service member.
If your service member is a member of the Army, Navy, Air Force, Marines, Coast Guard, or National Oceanic and Atmospheric Administration, have them sign you up online through the SGLI Online Enrollment System (SOES).
To access SOES, have your service member:
Go to Benefits, Life Insurance SOES- SGLI Online Enrollment System to sign up.
Your service member 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 service member is part of the Public Health Service, you’ll need to fill out the Spouse Coverage Election and Certificate (SGLV 8286A) and have them turn it in to their unit’s personnel officer. Download the Spouse Coverage Election and Certificate (PDF)
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 years35 - 39 years40 - 44 years45 – 49 years50 – 54 years55 – 59 years60 years and older
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.