Fiber Metal Laminates (FMLs) are advanced composite materials composed of alternating layers of fiber-reinforced composites and metal sheets, offering a unique blend of high strength, stiffness, and fatigue resistance. Understanding the behavior of FMLs under different loading conditions, particularly in the presence of initial cracks, is crucial for predicting their structural integrity and performance. This study investigates the effect of initial crack length and load steps on the stress distribution within FML structures through numerical simulation. A glass fiber-reinforced epoxy (GFRE) composite is constituted by glass fibers in off-axis directions of 0o/90o. The crack length of 3 mm, 6 mm, 9 mm, and 12 mm is initially defined on the side of fiber metal laminates. The tensile load was gradually applied to the laminates for five different ratios. The ratios are defined by dividing the tensile load with the area of the laminates which is then called stress ratio. The results show that the greater the initial crack length and load step ratio, the greater the stress around the crack tip. The stress distribution in each layer of the laminates shows different characteristics between tensile and compressive. This will affect the crack propagation behavior of the laminates. Moreover, the findings also provide valuable insights for optimizing FML design, improving damage tolerance, and extending service life in diverse engineering applications.