Covers spouse, partner, or child; often part of employer group benefits or military plans.
Pays death benefit if covered dependent dies; typically covers funeral and burial costs.
Coverage limits usually $4K–$10K for children, up to $100K for spouses in military plans.
Eligibility rules vary; children usually covered until age 26, spouses defined broadly.
Death benefits often low; may need supplemental coverage for greater financial protection.
