Skip to main content

Family Members

Life Insurance

Overview of VA life insurance

Share this Page

Veterans’ Family Member Insurance Eligibility Overview

Servicemembers’ spouses can convert their spousal coverage under Family Servicemembers’ Group Life Insurance (FSGLI) to an individual plan of insurance with a private insurance company, without proof of good health, within 120 days of the service member’s separation.
Beneficiaries of all VA life insurance programs receive a tax-free monetary death benefit that may be used in any way. In addition, if you are a beneficiary under the SGLI, VGLI, FSGLI spousal coverage, or TSGLI programs, you are eligible for free VA Beneficiary Financial Counseling Services and Online Will Preparation Services to help you obtain independent financial advice in using your insurance proceeds and prepare a will without having to hire an attorney.

Explore VA life insurance programs in more detail using the links below:

  • Accelerated Benefit Option, which provides those insured under SGLI and VGLI with access to up to half of the value of their insurance if they are terminally ill with nine months or less to live.

Learn more about other VA benefits for Veterans’ spouses, dependents, and survivors.

Application Process

Follow the “How to Apply” process outlined for your insurance


Some benefits may also be used by active service members, reservists, and National Guard members as well as eligible spouses, children, and survivors of Veterans and service members. Consult the VA benefits booklet or visit the nearest VA regional office for character of discharge requirements and more detailed information.

Page last updated on July 22, 2021


An official website of the U.S. Department of Veterans Affairs

Looking for U.S. government information and services?