• Active duty service members.
• Members of the Ready Reserve of a uniformed service.
• Members must themselves be insured under SGLI.

• The maximum insurance coverage will be $100,000.
• Soldiers will not be permitted to purchase more insurance on their spouse than they have on themselves.
• Soldiers may elect in writing to decline the amount of spouse coverage in $10,000 increments.

• Cost Table

• Each dependent child will be automatically insured for the maximum of $10,000 as long as the soldier is insured.
• Coverage for eligible children is free and cannot be declined or reduced.
• Any dependent child under age 18 is automatically insured; children between 18 and 23 who are full time college students are insured; any child declared legally incompetent prior to 18th birthday is insured.

• Automatic payroll deduction beginning on November 1, 2001
• Premiums deducted will be based on the spouse's birth date registered in the Defense Enrollment Eligibility Reporting System (DEERS).
• Soldiers must ensure that their marital status and spouse's date of birth has been correctly reported in DEERS and in the personnel record.

• To decline or reduce the automatic maximum coverage, the soldier must complete a SGLV-8286A (Family Coverage Election and Certificate) and turn in to records custodian at the Military Personnel Division (MPD) located in Darling Hall/Soldier Service Center
• Soldiers may elect "no coverage" or lesser amounts of coverage in $10,000 increments.

SGLV-8286A Form