Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 19, 2021

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The Brief

  • Military dependents can receive limited life insurance
  • Life insurance for military dependents covers spouses and children
  • Dependent life insurance includes term life and permanent life coverage

Dependents of military personnel can receive life insurance through the Family Servicemembers’ Group Life Insurance (FSGLI). However, this program offers a limited amount of term life insurance, and you may find better coverage with another company.

If you’re wondering how much does whole life insurance cost, understanding the specifics of life insurance for military dependents will help you make the right choice.

For life insurance rates for military dependents, enter your ZIP code to find the best quotes from providers in your area.

What is life insurance for military dependents?

Most life insurance companies offer policies to cover a military spouse and children. In some cases, you might be able to cover other dependents, such as life insurance for parents, but it depends on the specific plan.

When purchasing affordable life insurance for military dependents, you’ll have to provide health information about the insured so the company can assess their risk.

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How much life insurance coverage is available for military dependents?

While the military provides term life military family insurance, the Insurance Information Institute says there are multiple reasons why a servicemember might desire long-term coverage.

Most companies have a maximum amount of coverage for dependents. The amount of coverage available for dependents is typically between 50%-100% of the primary policyholder.

While spouse maximums are usually higher than children, comparing these maximum coverages is a good way to choose the best life insurance for military dependents.

How much does life insurance for military dependents cost?

The cost of coverage offered by a life insurance company for military dependents and how much coverage is available for dependents depends on the policy purchased and who is being covered.

A spouse will experience higher rates than children because adults are considered a higher risk to pass away by life insurance providers. When insuring dependents, the prices usually are offered in increments.

For example, a dependent might be eligible for increments of $2,000 up to $10,000 for a policy.

How long can someone receive life insurance for military dependents?

The length of life insurance for dependents depends on the relationship and coverage. Military spouse benefits can be maintained for as long as you wish but child benefits last until a certain age.

Most life insurance companies have a maximum age of 26, like medical insurance providers, but these ages differ by provider.

In some cases, those looking to buy life insurance for military dependents might be able to obtain extended coverage for a child. Examples of those that are commonly eligible for extended coverage include physically or mentally disabled children and full-time students.

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Life Insurance for Military Dependents: The Bottom Line

The military offers life insurance for military dependents, but policies are limited and you might require more coverage. While most life insurance for military dependents provides spouse coverage for life, child coverage only lasts up to a certain age.

Shop around before you buy life insurance for military dependents, and examine the specific policy you are shopping for to determine how much coverage is available and if it’s enough for you and your family.

If you’re searching for life insurance quotes for military dependents, enter your ZIP code to discover the top life insurance rates in your area.