Family Servicemembers' Group Life Insurance (FSGLI)

Life insurance through the service member for a spouse, up to $100,000 and not more than the member’s SGLI, and $10,000 free for each dependent child.

Also called: FSGLI, spouse life insurance, child life insurance, military spouse insurance.

For: Spouse, child.

Where it applies

Applies in states and territories.

Federal

FSGLI covers the spouse and dependent children of a member insured under full-time SGLI. Spouse coverage is up to $100,000, in $10,000 steps, and cannot exceed the member's own SGLI. Each dependent child is covered for $10,000 at no cost. The spouse premium depends on the spouse's age; for a spouse under 35, $100,000 costs $4.00 a month. A military spouse who is also a member has SGLI and FSGLI at once. Spouse coverage ends 120 days after the member separates, or after divorce; the spouse can then convert to an individual policy with a commercial insurer without proof of good health.

Thresholds

Thresholds for Family Servicemembers' Group Life Insurance (FSGLI)
Gate	Rule
Spouse or child of an SGLI-insured member	The service member must have full-time SGLI.

Documents the source lists

What the official source lists for an application, and where to get each document. It is a reference read from the source, not a full list of what the office may ask for; check with the office or an accredited representative before you apply. Needed means the source asks for it; Helps means the source calls it optional or says it speeds things up.

Needed Most recent Leave and Earnings Statement showing the spousal SGLI deduction
To convert spouse coverage to an individual policy.
Where to get it The service member’s pay records.
Listed by VA, Family Servicemembers’ Group Life Insurance (FSGLI) read 2026-10-10
Needed Proof the coverage ended: the DD214, NGB-22 or orders; the divorce certificate; a declination; or a DD1300 or death certificate
To convert spouse coverage to an individual policy.
Where to get it The service member’s records, the court, or the casualty office, as it applies.
Listed by VA, Family Servicemembers’ Group Life Insurance (FSGLI) read 2026-10-10

Sources

Family Servicemembers' Group Life Insurance (FSGLI)Official

Updated

Last updated 2026-10-08.

What changed then:

First published.

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Disclaimer

VetTOC is not affiliated with the U.S. Department of Veterans Affairs or the Department of Defense. Information is for reference only and is not an eligibility determination. Verify with VA, the relevant state or territory, or an accredited VSO.