HomeVeterans Guide to VA Insurance BenefitsFamily Servicemembers' Group Life Insurance (FSGLI)Coverage

4.3. Coverage

Maximum spouse coverage is issued automatically, but can be declined or reduced in writing by the servicemember.  As the servicemember, you are always the beneficiary of FSGLI coverage. FSGLI provides up to a maximum of $100,000 of insurance coverage for spouses, not to exceed the servicemembers' SGLI coverage amount, and $10,000 for dependent children. 

If your spouse is...and...then...
not a member of the uniformed services   your spouse is automatically covered for the maximum spouse coverage unless you reduce or cancel this coverage.
a member of the uniformed services you married on or after January 2, 2013 you and your spouse are not automatically covered under spouse coverage. You and/or your spouse must apply if you want spouse coverage (see how to apply).

Visit VA's FSGLI Procedural Guide for more information about spouse and dependent coverage.


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