Military Life Insurance

DEPENDENTS AND SPOUSES
Family Servicemembers' Group Life Insurance

Spouses and children of military on active duty as well as members of the Reserve or Guard have the benefit of full and cost effective life insurance coverage, through the Family Servicemembers' Group Life Insurance (FSGLI).

FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the amount of SGLI for the insured member, and $10,000 for dependent children With FSGLI, life insurance for a military spouse is issued in increments of $10,000, at a monthly cost ranging from $.55 to $5.20 per increment.

WHEN DOES COVERAGE FOR MY SPOUSE AND CHILDREN BEGIN?

FSGLI coverage will begin on the date of your marriage. Coverage for children begins on the date of their birth. If you adopt a child, coverage begins on the date of adoption.

ARE ALL OF MY CHILDREN ELIGIBLE FOR AUTOMATIC FAMILY COVERAGE?

Any unmarried dependent child under the age 18 is automatically covered under FSGLI. This includes all natural born children, legally adopted children and stepchildren who are members of the servicemembers household. In addition, unmarried children who, after attaining the age of 18 years and until completion of education or training (but not after attaining the age of 23 years) pursuing an education at an approved educational institution are covered. An unmarried child who becomes permanently incapable of self-support before the age of 18 is covered.

I AM ON ACTIVE DUTY AND MY SPOUSE IS RETIRED MILITARY. IS MY SPOUSE ELIGIBLE TO BE INSURED UNDER FSGLI?

Yes. Eligibility for your spouse is based on your status as a servicemember and your coverage under your SGLI . All active duty members covered under SGLI are eligible to insure their spouses, regardless of whether their spouse is an active duty member, retired or a civilian.

I'M INSURED UNDER SGLI AND JUST GOT MARRIED; WILL MY STEPSON WHO LIVES WITH US COVERED UNDER FSGLI?

Yes, he will be insured as soon as he becomes a member of your household, provided he is under age 18. He is also eligible if he is between the ages of 18 and 23, if he is pursuing an education at an approved educational institution.

I AM INSURED UNDER SGLI. MY SPOUSE IS RETIRED AND IS NOW INSURED UNDER VGLI. CAN MY SPOUSE BE INSURED UNDER BOTH SGLI AND VGLI?

Yes. Your spouse can be insured under both SGLI spousal coverage and his or her own VGLI coverage. Unless you decline coverage for your spouse, he or she will automatically be insured under SGLI spousal coverage and will also be able to maintain his or her own VGLI coverage.

I AM RETIRED AND COVERED UNDER VGLI. MY WIFE IS NOT COVERED UNDER ANY INSURANCE. IS THERE ANY COVERAGE FOR MY WIFE?

No, there is no FSGLI coverage available under the VGLI program.

MY SPOUSE AND I ARE BOTH IN THE MILITARY AND PARTICIPATE IN SGLI. CAN WE BOTH BE COVERED BY BOTH BASIC AND SPOUSAL COVERAGE?

Yes, each of you can be insured under both basic SGLI and SGLI family coverage for the maximum coverage amount of $500,000 for each spouse.

WHAT IF MY SPOUSE OR CHILD SUFFERS FROM A DISEASE THAT MAKES IT DIFFICULT TO PURCHASE LIFE INSURANCE? WILL THEY BE ELIGIBLE FOR FSGLI FAMILY COVERAGE?

Yes. Your spouse and your children will be eligible and at the same premium rate, regardless of health. However, if you decline coverage now and later want to insure your spouse, proof of good health will be required.

IF I DECLINE FSGLI NOW, CAN I LATER APPLY FOR IT?

Yes. You can later apply for coverage for your spouse by completing a form and providing proof of insurability (proof of good health).

HOW DO I PAY FSGLI PREMIUMS?

The premium for your spouse will automatically be deducted from your pay until you separate from service. Coverage will continue, at no extra cost to you, for 120 days following your separation from service. You will pay no premiums for your children, since coverage for them is free.

ARE PREMIUMS AUTOMATICALLY DEDUCTED FOR UNMARRIED MEMBERS COVERED UNDER SGLI?

No. Premiums for spousal coverage will not be deducted from the pay of unmarried SGLI policyholders. If you are not married and your records indicate so, no premium will be deducted for spousal coverage.

WHEN MIGHT FSGLI COVERAGE FOR MY SPOUSE END?

Coverage for your spouse will end 120 days after any of the following events:

• The date you elect in writing to terminate your spouse's coverage
• The date you elect in writing to terminate your own coverage
• The date of your death
• The date your SGLI coverage terminates
• The date of your divorce

WHEN COULD FSGLI COVERAGE FOR MY CHILDREN END?

Coverage for your children ends 120 days after any of the following events:

• The date you elect in writing to terminate your coverage
• The date your SGLI coverage terminates
• The date of your death
• The date your child is no longer your dependent

WHO RECEIVES THE FSGLI INSURANCE PROCEEDS UPON THE DEATH OF A SPOUSE?

The military service member is paid the proceeds due to the death of a spouse.

WHO RECEIVES THE FSGLI INSURANCE PROCEEDS UPON THE DEATH OF A CHILD?

The service member is paid the proceeds upon the death of a child.

IF BOTH PARENTS OF A CHILD HAVE SGLI, WHO WILL RECEIVE THE PROCEEDS OF A CLAIM ON THE CHILD?

The proceeds will be paid to the member who was eligible for coverage the longest. If you are separated or divorced, insurance for your child will be paid to the member who has custody of the child.

IF I AM COVERED BY FSGLI AS A SPOUSE OR CHILD, CAN I CHOOSE THE BENEFICIARY?

No. The beneficiary of the spouse and the child coverage will be the member. If the member were to die before payment could be made, the proceeds of a spouse or child claim would be paid to the member's beneficiary, as designated by the member on the form SGLV 8286.

The FSGLI insurance program was offers family insurance protection that covers military spouses and dependent children of military service members who are themselves insured under the servicemembers' Group Life Insurance (SGLI) program. Look into the benefits of FSGLI for your military family, today.