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Military Spouses

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Military Spouse Life Insurance

As a military spouse, chances are you lead a very active life. Between PCS moves, deployments, raising children, and growing a career, the last thing on your mind is life insurance—but it’s critical that you establish plans for the future, whether you’re just starting out or you’re a seasoned MilSpouse.

Life insurance is one of the most important investments you’ll ever make, and an essential element in your family’s financial security plan. However, it’s especially important for military spouses like you to actively seek out a comprehensive policy for yourself.

Servicemembers automatically enroll to buy life insurance coverage through the military’s Servicemembers' Group Life Insurance (SGLI) program. At the same time, the government also automatically enrolls civilian military spouses in the dependent version of this coverage, known as Family Servicemembers’ Group Life Insurance (FSGLI)—but the maximum coverage amount available from FSGLI is not enough to cover most military family needs. Not to mention, both programs end and coverage is lost when your family leaves the military. Therefore, you must be proactive about purchasing a life insurance policy to ensure you have enough coverage for your entire family, even after you transition back to civilian life.

Military Spouse Life Insurance Policies

Each MilSpouse has their own story and experience. When it comes to life insurance, the little details that make up who you are and the life you lead have a significant impact on your decision-making process. Factors such as your age, income, health history, and other personal circumstances all play a role in determining which life insurance policy is right for you. 

While military servicemembers covered under SGLI are eligible to apply for Family Servicemembers' Group Life Insurance (FSGLI), this policy is rather limited and may not provide the best solution for all military spouses and their dependents. 

AAFMAA offers a variety of term and whole life insurance policies tailored to meet the needs of all MilSpouses, including:

Level Term I

  • Members and military spouses ages 18-49

  • Individual low-cost coverage, with premiums that never increase

  • Select in $5,000 increments from $50,000 to $800,000

  • Term Life Insurance $10,000 per dependent child under age 21; no additional cost with Member's policy. Limited to one per Member/family; not eligible for spouse or dependent policies

Level Term II

  • Members and military spouses ages 18-75

  • Premium never increases

  • $50,000 - $800,000 coverage

  • Flexible term (minimum 5 years; maximum 30)

  • Cheaper than the military's VGLI plan and many other civilian coverage options

Value-Added Whole Life

  • Members and military spouses up to age 80; children/grandchildren under age 26 yrs

  • $10,000 - $1 million coverage

  • Builds cash value that you can access with no penalties if you ever need to

  • Every premium payment you make is saved to your cash value and always belongs to you

  • Long-Term Care Settlement Option included at no additional premium

View All Policies

Get Peace of Mind with Military Spouse Insurance from AAFMAA

As a military spouse, you’re an irreplaceable part of the military community. You’re at the center of your family, and they depend on you. You have the opportunity to take control and get your own life insurance policy.

Don’t wait to ensure you have enough coverage for all of your loved ones. AAFMAA’s Military Spouse Life Insurance was designed with MilSpouses just like you in mind. You are able to take action and secure your own life insurance coverage, easily and affordably, to ensure a secure financial future for your family.  

The confidence you receive with your own policy starts as low as $3/ month. Relax and enjoy life, knowing you have enough coverage for yourself and those you love most. Call 800-522-5221 for more information or to get a quote today.

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Common Questions

Military spouses of servicemembers covered under SGLI are eligible for life insurance coverage through the military’s Family Servicemembers' Group Life Insurance (FSGLI). However, this policy is limited and may not provide the best solution for all military spouses and dependents. 

AAFMAA offers a variety of term and whole life insurance options for military spouses. Contact us for more information or to get a quote today!

Family Servicemembers’ Group Life Insurance (FSGLI) offers life insurance coverage for military spouses and dependents of servicemembers covered under SGLI. FSGLI only provides up to $100,000 of coverage for the spouse, and it can not exceed the servicemember’s SGLI coverage. $10,000 of coverage is included with SGLI for each dependent child.

Alternatively, AAFMAA offers MilSpouse term life insurance coverage up to $800,000 and whole life coverage up to $1 million. $10,000 of coverage is also provided free for dependent children of Members with a policy, however, individual policies are also available for military kids from AAFMAA.  Contact us for more information or to get a quote today!

While many military spouses are eligible for FSGLI life insurance coverage, policy limitations prevent MilSpouses from getting coverage that meets their unique needs. AAFMAA’s military spouse life insurance policies start at just $3/ month. Plus, we make it quick and easy to get a quote and apply for coverage. Simply call 800-522-5221 to get started today!

AAFMAA

Disclaimer:

The U.S. Government does not sanction, recommend, or encourage the sale of this product. Subsidized life insurance may be available from the Federal Government. Subject to terms and conditions of the policy, including exclusions and limitations. There is no insurance coverage unless you apply and are accepted by AAFMAA, a policy is issued, delivered, and accepted by you, and you pay the required premiums. No war, aviation, terrorist clause. Coverage stays with you after you leave the military. All policies include Survivor Assistance Services.