VA - Life Insurance - Servicemembers' Group Life Insurance Family Coverage (FSGLI)
Program Description
In order to qualify for this benefit program, you must be the spouse or dependent child of a service member (Active Duty or Ready Reserve) who has full-time SGLI coverage. A "dependent child" includes any unmarried child in one of the following categories:- A natural child of the service member
- A legally adopted child
- A stepchild who is a member of the service member's household
- A child between the ages of 18 and 23 who is a full-time student, or a child who became permanently incapable of self-support before age 18.
General Program Requirements
The Veterans' Opportunities Act of 2001 extended life insurance coverage to spouses and children of members insured under the SGLI program, effective November 1, 2001.Spouses of SGLI policyholders are covered for up to $100,000 or the amount of the service member's SGLI, whichever is less. This coverage is automatic unless the service member submits a written request to decline or reduce coverage.
Additionally, the dependent children of every active duty service member or reservist covered under full-time SGLI are automatically insured for $10,000. Coverage for dependent children is free and cannot be declined unless SGLI coverage is declined.
