Survivors
Life Insurance for Family Members
Family Servicemembers' Group Life Insurance (FSGLI) coverage for a service member's spouse and children, plus free financial advice for beneficiaries.
Who this is for
In plain language
What Life Insurance for Family Members covers
- FSGLI provides coverage for the spouse and dependent children of a service member
- Beneficiaries of a policy can receive free financial counseling
- Free will-preparation services for beneficiaries
The full picture
Everything you need to know
Nothing hidden behind a click. Here is the whole story in plain language, so you can decide what fits your situation.
Key facts & current figures
- FSGLI covers a service member's spouse (up to $100,000, not exceeding the member's own coverage) and each dependent child ($10,000, at no cost).
- Beneficiaries of VA or service life insurance can get free financial counseling and free online will preparation.
General figures, current as of December 2025 and reviewed each year. Your exact amount depends on your situation - always confirm on va.gov.
FSGLI: coverage for a service member's family
- Family Servicemembers' Group Life Insurance covers the spouse for up to $100,000, but never more than the service member's own SGLI amount, and each dependent child for $10,000 at no cost.
- Spouse premiums are based on the spouse's age; child coverage is free.
- When the service member leaves the military, spouse FSGLI can be converted to a commercial policy within a set window without a medical exam.
Free help every beneficiary should know about
- Anyone named as a beneficiary of a VA or servicemember life-insurance policy can get free professional financial counseling.
- Beneficiaries also get free online will preparation - a simple, no-cost way to put personal affairs in order.
Your family’s complete benefit picture
You do not have to sort this out alone
Life Insurance for Family Members often stacks with the other benefits below. Our free assistant explains it in plain language, and an accredited specialist can review your situation at no cost.
A clear path forward
Your step-by-step action plan
No rush and no pressure - but a little order helps. Applying is always free.
First
See what you qualify for
Family Servicemembers' Group Life Insurance (FSGLI) coverage for a service member's spouse and children, plus free financial advice for beneficiaries.
Gather
Collect your documents
Pull your DD-214 and any records that support your claim - we can help you figure out exactly what you need.
File it - always free
Apply for the benefit
Manage FSGLI coverage through the service member's pay office; beneficiaries can request financial counseling and will services through the VA.
Who to call & where to go
These are free, official VA lines. Have your Social Security number handy when you call.
VA Insurance Center
VGLI, S-DVI/VALife, and VMLI life-insurance questions.
MyVA411 - Main VA Line
Not sure who to call? Start here. One number for anything VA - they route you to the right office.
Rather have us handle it?
No phone tag, no hold music. Call our office and a real, VA-accredited person walks you through it - start to finish.
702-992-4883Not sure where to start?
Manage FSGLI coverage through the service member's pay office; beneficiaries can request financial counseling and will services through the VA.
More support for survivors & family
These often go hand in hand - tap any card to learn more.
Get a free benefit review
Tell us how to reach you and an accredited team member will help you understand this benefit and claim everything you have earned. No cost, no obligation.
Official VA links
Not sure if this applies to you?
Ask our free assistant a few plain questions and get an honest read on what you and your family may qualify for - at no cost.
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