Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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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: Nov 4, 2020

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As a former Unites States Marine I can’t tell you how grateful I was to have life insurance protection under the Service Members Group Life Insurance or SGLI.  In the event I should have passed away, I knew that my dependents would be financially covered.

But what if my spouse who was not a military service member and not covered by the SGLI, were to unexpectedly pass away? How would I have the cash needed to replace her everyday rolls?

I had to seriously think about the following:

  • How would I be able to afford to stay in our home?
  • How would I be able to pay off our debt?
  • How would I be able to pay for the funeral cost?
  • How would I be able to afford childcare?
  • How would I be able to replace her lost income from her work?
  • How would I be able to perform all of the in-home services she provided?
  • Would I have to hire someone to help me?

Not having the financial answers to fulfill these questions, I knew we needed to consider purchasing military spouse life insurance coverage for my wife. So we began our search for the right type of life insurance coverage.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Family Members Group Life Insurance (FSGLI)

First, we did look into the Family Service Members Group Life Insurance or FSGLI program which is another excellent benefit offered by the military.

The only problem was that our need for a higher death benefit was greater than the maximum amount offered by the FSGLI of $100,000, so we needed to look into coverage options outside of the military.

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Military Spouse Life Insurance Outside of FMGLI

With our needs being so much greater than $100,000 and living on a budget we began our search online looking into coverage options that would best fit our needs.

By searching online for additional coverage options we were able to do the following:

The Solution…Life Insurance

Purchasing a military spouse life insurance coverage outside of the military provided us the amount of death benefit coverage we needed at very affordable rates.

Best of all it provided our family financial peace of mind knowing that should one of us pass away all of the “Would I” questions would be financially answered through the cash that our life insurance policies would provide to each other.

In the military and have questions about military spouse life insurance coverage?

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.