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Dependent life insurance provides coverage in the event a spouse or dependent child dies. The qualifying life event must be consistent with the requested coverage change ie. What Is Dependent Life Insurance Coverage For Non Income Earners The Dependent Spouse Life amount is dependent upon the approval of the Employee Supplemental Life coverage. Dependent life insurance . What is a Dependent Life Insurance. The most common amounts of Dependent Life coverage are 5000 for a spouse and 2500 per dependent child or 10000 for a spouse and 5000 per dependent child. Pros and cons for dependent life insurance You can usually get coverage without a medical exam or may only need to answer a few health-related questions Coverage may be enough to cover funeral costs for a spouse or child Payment can come directly through your paychecks. Read More Comments 33. Dependent life policies may cover. You may enroll in or increase the amount of your dependent life insurance coverage during the ...