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Life Insurance

Veterans Group Life Insurance (VGLI)

Coverage

Veterans’ Group Life Insurance (VGLI) is a program that allows you to continue life insurance coverage after you separate from service.

VGLI provides lifetime coverage as long as you pay the premiums. You may enroll for a maximum amount of coverage that is equal to the amount of Servicemembers’ Group Life Insurance (SGLI) coverage you had when you separated from service. Lesser amounts of coverage are also available in increments of $10,000.

Once enrolled in VGLI, you will have the opportunity to increase your coverage by $25,000 every five years up to the legislated maximum of $400,000, until age 60.

No proof of good health is required.

Enrollment Period

You have 1 year and 120 days from your date of separation to apply for VGLI. If you apply for coverage within 240 days of your date of separation, you will not need to answer health questions.

Eligibility

You are eligible to apply if:

  • You had SGLI and were released from active duty or active duty for training under a call or order to duty that does not specify a period of less than 31 days.
  • You were a member of the Ready Reserves/National Guard and insured under SGLI and you are separated, retired, or released from assignment.
  • You are an individual who was assigned to the Individual Ready Reserves (IRR) of a branch of service or to the Inactive National Guard (ING). This includes members of the United States Public Health Service Inactive Reserve Corps (IRC).
  • You are a service member who had part-time SGLI and who, while performing duty, suffered an injury or disability that rendered you uninsurable at standard premium rates. This includes travel directly to and from duty.
  • You are a service member who has been placed on the Temporary Disability Retirement List (TDRL) within the last 1 year and 120 days.

Cost/Rates

VGLI Premiums are based upon the Veterans age. Premium rates increased for VGLI insureds age 70 and older effective July 1, 2014. Follow this link to view VGLI premium rates.

Use the Insurance Needs Calculator to assess your life insurance needs and determine if you have enough coverage.

Deadline to Convert SGLI to VGLI

You must apply to convert SGLI to VGLI within one year and 120 days from discharge. If you submit your application within 240 days after discharge (for those discharged on or after November 1, 2012) or within 120 days after discharge (for those discharged before November 1, 2012), you do not need to submit evidence of good health. Those who apply after the no-health period are required to answer questions about their health.

How to Apply

Applying for VGLI is simple using one of the following methods:

Converting VGLI to a Commercial Policy Conversion Feature

VGLI policyholders can convert your VGLI to an individual commercial life insurance policy at any time. Follow these links for:

Myths and Rumors About SGLI

There are several myths, rumors and misconceptions about SGLI and VGLI insurance floating around. Please visit our Myths and Rumors page to find out what's true and what's false.

FAQs