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Converting Coverage Under the FSGLI Program

Spousal coverage under the Family Servicemembers’ Group Life Insurance (FSGLI) program doesn’t have to be permanent. Following certain life events, spouses have the option of conversion, which is a process that allows individuals to transfer their existing group coverage to an individual life policy without the need to provide evidence of good health.

Spouses who are insured under FSGLI have the option to convert Spousal Coverage to an individual policy of insurance within 120 days from any of the following events:

  • The date of the Servicemember's separation from the military
  • The date of the Servicemember's divorce from current spouse
  • The date of the Servicemember's election to terminate Spousal SGLI coverage (SOES Certificate of Coverage or SGLV Form 8286A)
  • The date of the Servicemember’s election to terminate his/her SGLI coverage (SOES Certificate of Coverage SGLV Form 8286)
  • The date of the Servicemember's death

Note: Although conversion is optional, if any of these events occur, FSGLI coverage terminates on the 121st day following the event.

Spouses covered under FSGLI may convert their coverage to a commercial policy at standard premium rates without having to provide proof of good health. The conversion policy must be a permanent policy, such as a whole life policy. Other types of policies, such as Term, Variable Life, or Universal Life Insurance are not allowed as conversion policies. In addition, supplementary policy benefits such as Accidental Death and Dismemberment or Waiver of Premium for Disability are not considered part of the conversion policy.

How to Apply

If a spouse wishes to convert Spousal SGLI Coverage, the spouse must apply for conversion within 120 days from any of the events listed above and must also:

For more information, please contact the Office of Servicemembers Group Life Insurance at

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