Family Servicemembers Group Life Insurance (FSGLI)
The Veterans' Opportunities Act of 2001 extends life insurance coverage to the spouse and children of Soldiers insured under the Servicemembers' Group Life Insurance (SGLI) provisions of Title 38, United States Code (USC), effective 1 Nov 2001.
The new family coverage is automatic, Soldiers do not have to apply for the insurance. The insurance is available for the spouses and children of all active duty Soldiers and applicable members of the Ready Reserve (Reservist currently eligible for full-time SGLI). The coverage is available only for Soldier's insured under SGLI. Soldiers who are in the Married Army Couples Program (MACP) are eligible for the insurance.
Maximum Insurance Coverage
The maximum insurance coverage will be $100,000 for spouse and $10,000 for children, however Soldiers will not be permitted to purchase more insurance on their spouse than they have on themselves. Soldiers may elect in writing to reduce the amount of spouse coverage in $10,000 increments. Each dependent child will automatically be insured for the maximum $10,000 as long as the Soldier is insured under SGLI. Coverage for spouse will end 120 days after any of the following events:
Date Soldier elects in writing to terminate spouse's coverage.
Date Soldier elects in writing to terminate his or her own SGLI coverage.
Date of Soldier's death.
Date of divorce.
Coverage for Eligible Children
The coverage for eligible children is FREE and therefore cannot be declined or reduced. Any dependent child under age 18 is automatically covered. This includes natural born children, legally adopted children and stepchildren who are members of a Soldier's household. In addition, children between the ages of 18 and 23 who are full-time students and those who become permanently incapable of self-support before the age of 18 are covered. Coverage for children ends 120 days after any of the following events:
Date Soldier elects in writing to terminate SGLI coverage.
Date Soldier separates from Army.
Date of Soldier's death.
Date child is no longer a dependent.
The cost of the FSGLI will be based on the age of the spouse and the amount of insurance selected if the Soldier elects to reduce the automatic coverage amount of $100,000. The premium for FMSGLI will automatically be deducted from Soldier's pay account until they separate or decline coverage.
The FSGLI is not available for those insured under the Veterans Group Life Insurance (VGLI) program.
For additional information, please visit the following links:
CMAOC FSGLI Webpage
Veterans Affairs FSGLI Information