Q: Pearlita Price, says, “[My pain is] the fees (for my husband) because apparently my husband’s job is high risk. There should be higher levels of SGLI offered because the cap of $400,000 does not cover 10-12x the total pay of upper enlisted and officers.”
A: You’re right, Pearlita. Since SGLI coverage maxes out at $400,000, there is often a need for additional life insurance—depending on your family’s financial obligations and income level. It’s a good idea to supplement with non-profit associations like USBA that have plans specifically tailored to military members and their families. They not only understand your needs, but also offer coverage without a war clause. USBA can also provide additional Spouse and Children’s coverage above what FSGLI (Family Servicemembers’ Group Life Insurance) offers. And it’s coverage your family can keep whether your husband is in or out of the service.
