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SGLI coverage stays in effect for days after discharge. Effective January 2, , FSGLI Spouse coverage will no longer be automatically issued to a uniformed service member who marries another uniformed service member. Member to member couples, married on or before January 1, will not be affected by this repeal.
Member-to-member couples that previously declined FSGLI Spouse coverage or elected a lower coverage amount must complete the appropriate sections of the SGLVA, to include health questions to elect or increase coverage levels.
By changing the law, Congress recognized that in the majority of cases, each "spouse" of member-to-member couple already has life insurance under the basic SGLI program and Congress wanted to give them the choice of whether to add FSGLI spousal coverage.
Members pay a monthly premium for spousal coverage which is based on the age of the spouse. Dependent children are insured at no cost. The NDAA does not change the rule that civilian spouses are automatically insured, unless the member declines coverage or elects a lower coverage amount by completing the SGLVA. Questions on this change should be directed to your personnel office. Or visit your local, supporting Military Personnel Office.
Family Servicemembers’ Group Life Insurance (FSGLI)