FAMILY SERVICE MEMBERS GROUP LIFE INSURANCE

Like SGLI coverage, FSGLI coverage is automatic and the maximum coverage is the automatic level. However, spouses must be enrolled or registered in DEERS for proper premiums to be paid.

Premiums for spousal coverage are due the month of the event that causes coverage to occur (e.g. Nov 1, 2001, induction of the Service member into service or the date of a marriage while in service). Premiums start and will be automatically deducted from the Soldier’s military pay when they enroll their spouse in DEERS. Failure to enroll the new spouse in DEERS will result in a debt that will be collected retroactively to date of marriage or entrance into the military whichever is later.

Dual Military:

The same applies to Service Member married to Service Member, they also must register each other as a spouse in their respective DEERS records. FSGLI coverage is automatic and the maximum coverage is the automatic level. Premiums start and will be automatically deducted from the Soldier’s military pay when they register their spouse in DEERS. Failure to register each other will result in a debt that will be collected retroactively to date of marriage or entrance into the military whichever is later.

The spouse's birth date in DEERS determines the premium rate to be collected. If the spouse's birth date is incorrect in DEERS, the incorrect premium rate will be collected. And if the spouse's birth date is not in DEERS, premiums will be collected at the maximum rate.

For more information on FSGLI, including premium rates please go to: http://www.insurance.va.gov/sglisite/fsgli/proceduralGuide/guideTOC.htm