---
title: Life insurance for military spouses (FSGLI) | Veterans
url: https://coverfolk.com/veterans/military-spouses
updated: 2026-10-08
---

# Life insurance for military spouses (FSGLI)

Updated October 8, 2026[Fact checked](/editorial-standards)

The short answer

FSGLI covers the spouse of a service member with full time SGLI for up to $100,000. Each child is covered for $10,000 at no cost.

FSGLI is for spouses and children of people with full time SGLI. Your own job does not matter. You can be a civilian, retired, or serving yourself.

If you are a civilian spouse, you are covered on your own. The cost comes out of your service member's pay. If you are a military spouse married on or after January 2, 2013, you are not covered on your own. Your service member must sign you up in milConnect.

Spouse coverage can be up to $100,000. It cannot be more than your service member's SGLI. The price goes up as you get older. Children are covered for $10,000 for free until age 18, or longer for full time students or children with a disability.

FSGLI can end if your service member leaves the military, you divorce, or they drop coverage. You then have 120 days to switch it to a private permanent policy with a participating company. Then you pay the bill yourself.

## Key facts

* Spouse coverage: up to $100,000, not more than the member's SGLI.
* Child coverage: $10,000 each, free.
* Civilian spouses are covered on their own.
* Military spouses married on or after January 2, 2013, must be signed up.
* After separation, divorce, or loss of coverage, you have 120 days to convert to a private permanent policy.

## At a glance

| Spouse age | $50,000 a month | $100,000 a month |
| --- | --- | --- |
| **Under 35** | $2.00 | $4.00 |
| **35 to 39** | $2.35 | $4.70 |
| **40 to 44** | $3.10 | $6.20 |
| **45 to 49** | $4.25 | $8.50 |
| **50 to 54** | $6.75 | $13.50 |
| **55 to 59** | $11.50 | $23.00 |
| **60 and older** | $20.00 | $40.00 |

Current FSGLI spouse monthly premiums from the VA FSGLI page (page last updated March 26, 2026; no separate effective date shown), checked October 7, 2026.

## Common questions

Do I have to pay for my kids' coverage?

No. VA covers each dependent child for $10,000 at no cost.

What happens to my coverage if we divorce?

You have 120 days to switch it to a private permanent policy, like whole life, with a participating company. You then pay the premiums yourself.

Can I keep FSGLI after my spouse leaves the military?

FSGLI is tied to full time SGLI. After separation, you have 120 days to convert spouse coverage to a private permanent policy.

## Sources

1. [Family Servicemembers' Group Life Insurance (FSGLI), VA](https://www.va.gov/life-insurance/options-eligibility/fsgli/)
2. [Servicemembers' Group Life Insurance, Military OneSource](https://www.militaryonesource.mil/benefits/servicemembers-group-life-insurance/)