What life insurance should military spouses in Nevada consider?

Military spouses have access to Dependent Life Insurance through SGLI (FSGLI) for coverage up to $100,000, but this coverage ends when the service member separates. For spouses with their own income, children, or household responsibilities that would leave the family financially exposed, personal civilian life insurance is an important complement.

Spouses should consider personal life insurance that covers: income replacement if both spouses work, childcare costs the family would incur if the spouse died, mortgage obligations, and any other financial commitments. A term policy sized to 10x annual income or household contribution is a practical starting point.

Military spouses who move frequently may appreciate portable life insurance that remains in force regardless of duty station or state of residence. Civilian policies from A-rated (A.M. Best) carriers are fully portable across all states, including during overseas assignments (subject to policy terms).

Agents in our network serve Nevada military families at Nellis AFB, NAS Fallon, and other installations with coverage options designed for military family needs.