May 19, 2022

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VA life insurance milestone: FSGLI has provided for millions of military families

On Nov. 1, 2021, VA will celebrate the 20th anniversary of Family Servicemembers’ Group Life Insurance (FSGLI), which began covering military families in 2001. Since that date, VA has paid nearly $1.7 billion in claims and currently provides 8.9 million service member dependents with life insurance.

“The FSGLI program exemplifies VA’s mission to take care of our Veterans, their dependents and survivors,” said acting Under Secretary for Benefits Thomas Murphy. “For 20 years, the program has been another way for us to honor the men and women who have served this nation.”

Authorized by the Veterans’ Survivor Benefits Improvement Act of 2001, FSGLI extends life insurance coverage to spouses and dependent children.

If you are an active-duty service member or a member of the National Guard or Ready Reserve who is covered by full-time Servicemembers’ Group Life Insurance (SGLI), your family may qualify for FSGLI: All eligible dependent children are automatically covered for $10,000 at no cost for service members covered by SGLI, and most service members’ spouses are automatically covered for  $100,000 in increments of $10,000 as long as the coverage amount is not more than their SGLI coverage amount.

However, if you and your spouse are both in the military and were married on or after Jan. 2, 2013, each of you will need to sign up for insurance. FSGLI spousal coverage premiums are based on the age of the spouse and deducted from the service members’ pay.

Transitioning out of military service soon? Don’t wait to convert your policy

FSGLI ends 120 days after separation from service, divorce, death of the Service member or SGLI or FSGLI coverage termination. To continue coverage after these events, spouses must convert to an individual policy with a participating insurance company  within the 120-day period. Coverage for dependent children cannot be converted and ends 120 days after separation or other key events.

For more information

To review or make changes to your FSGLI coverage, check out the SGLI Online Enrollment System here: DS Logon – Login (osd.mil).

To learn more about FSGLI or VA’s other life insurance programs, visit the VA Life Insurance page on VA.gov.