Whether you’re active duty or a member of the United States Army Reserve or National Guard, all military servicemembers are eligible for Servicemembers' Group Life Insurance (SGLI). You also have the option to cover your spouse and dependents with Family Servicemembers’ Group Life Insurance (FSGLI) policies.
These group term policies are guaranteed acceptance and serve as a basic starting point for soldiers and their families. However, these one-size-fits-all plans are rarely enough to cover all the needs of an Army family since they do not take into account you and your family members’ unique circumstances.
Age, income and health history—for example—all play a role in determining which type of life insurance policy is right for you and how much coverage you really need. Depending on your specific situation, government-sponsored life insurance products are likely not enough to suit the needs of your family.