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Family Servicemembers' Group Life Insurance (FSGLI)
Life Insurance
Family Servicemembers' Group Life Insurance (FSGLI)
FSGLI is a program that provides group term life insurance coverage to the spouses and dependent children of Servicemembers insured under SGLI. The Servicemember pays the premium for spousal coverage. Dependent children are insured at no cost.
Eligibility
Spouses and dependent children of the following are eligible for FSGLI:
- Active duty Servicemembers covered by full-time SGLI and
- members of the National Guard or Ready Reserve of a uniformed service covered by full-time SGLI.
Family coverage is available only to members insured full-time under the SGLI program. It is not available to those insured under part-time SGLI coverage or the VGLI program. If you are covered under full-time SGLI, you are eligible to insure your spouse, regardless of whether your spouse is on active duty, retired, or is a civilian.
Coverage
FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the Servicemembers’ SGLI coverage amount, and $10,000 for dependent children.
If you are insured under full-time SGLI, spouse coverage may or may not be automatic. Please review the table below to determine if your spouse is covered.
| If your spouse is... | and... | then... |
|---|---|---|
| not a member of the uniformed services | your spouse is automatically covered for the maximum spouse coverage unless you reduce or cancel this coverage. | |
| a member of the uniformed services | you married on or after January 2, 2013 | you and your spouse are not automatically covered under spouse coverage. You and/or your spouse must apply if you want spouse coverage (see how to apply). |
Visit our FSGLI Procedural Guide for more information about spouse and dependent coverage
How to Apply
If you are covered under full-time SGLI and your spouse is not automatically covered, you may apply for spouse coverage using one of the following methods, depending on your branch of service:
If you are in any uniformed service except Public Health Service…
You no longer need to use the SGLV 8286A to apply for spouse coverage! You can now apply for and manage your spouse coverage under Servicemembers’ Group Life Insurance (SGLI) coverage using the SGLI Online Enrollment System (SOES). SOES allows Servicemembers with full-time SGLI coverage to make fast and easy changes to their life insurance coverage and beneficiary information at any time without completing a paper form or making a trip to their personnel office. To access SOES, sign into the MilConnect portal at www.dmdc.osd.mil/milconnect and go to the Benefits Tab, Life Insurance SOES- SGLI Online Enrollment System.
If you are in the Public Health Service...
You must complete and submit the SGLI Form SGLV 8286A, Family Coverage Election, Servicemembers' Group Life Insurance to change your FSGLI spousal coverage elections. You should contact your Personnel Office for any changes to Basic SGLI or Family SGLI coverage.
How to Reduce, Decline or Cancel Coverage
Dependent child coverage is free and cannot be reduced, declined or canceled. You may reduce, decline or, cancel your spouse coverage by using one of the following methods, depending on your branch of service:
If you are in any uniformed service except Public Health Service…
You can now manage your spousal coverage under Servicemembers’ Group Life Insurance (SGLI) coverage using the SGLI Online Enrollment System (SOES). SOES allows Servicemembers with full-time SGLI coverage to make fast and easy changes to their life insurance coverage and beneficiary information at any time without completing a paper form or making a trip to their personnel office. To access SOES, sign into the MilConnect portal at www.dmdc.osd.mil/milconnect and go to the Benefits Tab, Life Insurance SOES- SGLI Online Enrollment System.
If you are in the Public Health Service...
You must complete and submit the SGLI FormSGLV 8286A, Family Coverage Election, Servicemembers' Group Life Insurance to change your FSGLI spousal coverage elections. You should contact your Personnel Office for any changes to Basic SGLI or Family SGLI coverage.
Cost/Rates
FSGLI coverage is available in increments of $10,000. You pay a premium for your spouse’s coverage, which increases as your spouse ages. Coverage for your child is provided at no cost until the child is 18, unless the child is a full-time student or becomes permanently and totally disabled and incapable of self-support prior to age 18.
Spousal Monthly Premium Rates - Effective July 1, 2019
| Amount of Insurance | Age of Spouse | ||||||
|---|---|---|---|---|---|---|---|
| under 35 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60 & Over | |
| $100,000 | $4.50 | $5.30 | $7.00 | $10.00 | $17.00 | $29.50 | $45.00 |
| $90,000 | $4.05 | $4.77 | $6.30 | $9.00 | $15.30 | $26.55 | $40.50 |
| $80,000 | $3.60 | $4.24 | $5.60 | $8.00 | $13.60 | $23.60 | $36.00 |
| $70,000 | $3.15 | $3.71 | $4.90 | $7.00 | $11.90 | $20.65 | $31.50 |
| $60,000 | $2.70 | $3.18 | $4.20 | $6.00 | $10.20 | $17.70 | $27.00 |
| $50,000 | $2.25 | $2.65 | $3.50 | $5.00 | $8.50 | $14.75 | $22.50 |
| $40,000 | $1.80 | $2.12 | $2.80 | $4.00 | $6.80 | $11.80 | $18.00 |
| $30,000 | $1.35 | $1.59 | $2.10 | $3.00 | $5.10 | $8.85 | $13.50 |
| $20,000 | $0.90 | $1.06 | $1.40 | $2.00 | $3.40 | $5.90 | $9.00 |
| $10,000 | $0.45 | $0.53 | $0.70 | $1.00 | $1.70 | $2.95 | $4.50 |
Spousal Monthly Premium Rates - until June 30, 2019
| Amount of Insurance | Age of Spouse | ||||||
|---|---|---|---|---|---|---|---|
| under 35 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60 & Over | |
| $100,000 | $5.00 | $6.50 | $8.50 | $13.00 | $25.00 | $37.00 | $50.00 |
| $90,000 | $4.50 | $5.85 | $7.65 | $11.70 | $22.50 | 33.30 | $45.00 |
| $80,000 | $4.00 | $5.20 | $6.80 | $10.40 | $20.00 | $29.60 | $40.00 |
| $70,000 | $3.50 | $4.55 | $5.95 | $9.10 | $17.50 | $25.90 | $35.00 |
| $60,000 | $3.00 | $3.90 | $5.10 | $7.80 | $15.00 | $22.20 | $30.00 |
| $50,000 | $2.50 | $3.25 | $4.25 | $6.50 | $12.50 | $18.50 | $25.00 |
| $40,000 | $2.00 | $2.60 | $3.40 | $5.20 | $10.00 | $14.80 | $20.00 |
| $30,000 | $1.50 | $1.95 | $2.55 | $3.90 | $7.50 | $11.10 | $15.00 |
| $20,000 | $1.00 | $1.30 | $1.70 | $2.60 | $5.00 | $7.40 | $10.00 |
| $10,000 | $0.50 | $0.65 | $0.85 | $1.30 | $2.50 | $3.70 | $5.00 |
Premium Deductions
FSGLI premiums are automatically deducted from your pay. If your spouse is insured, you are responsible for premiums. If your spouse is registered in DEERS, premiums will be automatically deducted from your pay. If you have not registered your spouse, you are still responsible for premiums and when he/she is registered, you will incur a debt for back premiums.
Converting FSGLI to a Commercial Policy
Spouses who are insured under the Family SGLI program have the option to convert Spousal Coverage to an individual policy of insurance within 120 days from any of the following events:
- The date of the Servicemember's separation from the military
- The date of the Servicemember's divorce from current spouse
- The date of the Servicemember's election to terminate Spousal SGLI coverage (SOES Certificate of Coverage or SGLV Form 8286A)
- The date of the Servicemembers election to terminate his/her SGLI coverage (SOES Certificate of Coverage SGLV Form 8286)
- The date of the Servicemember's death.
Spouses covered under Family SGLI may convert their coverage to a commercial policy at standard premium rates, without having to provide proof of good health. The conversion policy must be a permanent policy, such as a whole life policy.
Other types of policies, such as Term, Variable Life, or Universal Life Insurance are not allowed as conversion policies. In addition, supplementary policy benefits such as Accidental Death and Dismemberment or Waiver of Premium for Disability are not considered part of the conversion policy.
If a spouse wishes to convert Spousal SGLI Coverage, the spouse must apply for conversion within 120 days from any of the events listed above and must also:
- Select a company from the Participating Companies listing
- Apply to a local sales office of the company selected
- Give a copy of the most recent Leave and Earnings Statement to the agent, showing the deduction for Spousal SGLI, along with an applicable proof of coverage from the list below:
- The Servicemember's separation document (Form DD-214 or NGB-22, or written orders)
- The Certificate of Dissolution of Marriage between the spouse and the Servicemember
- The Servicemember's FSGLI Spousal declination (SOES Certificate of Coverage or SGLV Form 8286A)
- The Servicemember's SGLI declination (SOES Certificate of Coverage SGLV Form 8286)
- The Servicemember's proof of death (Report of Casualty Form DD 1300 or civilian death certificate)
