SGLI Spouse "Opt Out" Deadline Extended: WASHINGTON -- Troops who don't want spousal coverage in the Servicemembers' Group Life Insurance program now have until Dec. 31 to cancel at no charge. This is a one-month extension on the initial Nov. 30 opt-out deadline widely reported in October. New rules effective Nov. 1 provide SGLI participants with free $10,000 coverage per child and low-cost spousal coverage of up to $100,000. Service members with personal SGLI coverage of $100,000 or more are automatically enrolled for the maximum $100,000 spousal coverage, said Navy Capt. Chris Kopang, DoD director of compensation. The accompanying premium will be deducted from military pay each month. Spouse's coverage can be no higher than the member's, and so is limited if the member carries less than $100,000 personal coverage, he explained. Spouse coverage must be elected in $10,000 increments. Premiums are based on coverage and the spouse's age.