Veterans' Group Life Insurance (VGLI)

What is Veterans' Group Life Insurance (VGLI)?

Veterans' Group Life Insurance (VGLI) provides for the conversion of Servicemembers' Group Life Insurance (SGLI) coverage to a lifetime renewable term policy of insurance protection after a servicemember's separation from service.

VGLI provides up to a maximum of $400,000 of insurance coverage, and is issued in $10,000 increments up to the amount of SGLI the member had in force at the time of separation. VGLI premiums are based upon the separating member's age. For those insured for less than $400,000, additional increments of $25,000 of coverage can be purchased every five years until age 60.

VGLI is convertible at any time to an individual commercial life insurance policy with any one of the participating commercial insurance companies.

Program Requirements

In order to qualify for this benefit program you must belong to one of the following groups of separating servicemembers:

• Servicemembers insured under SGLI who are separated from active duty
• Members of the Ready Reserves insured under SGLI who are separated, retired, or released from assignment
• Members who are assigned to the 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)
• Members who have part-time SGLI and who, while performing duty, suffer an injury or disability, which renders them uninsurable at standard premium rates. This includes travel directly to and from duty.

For information on converting your SGLI to VGLI coverage, read our conversion instructions.

Application Details

What is the application process for Veterans' Group Life Insurance (VGLI)?

To complete an application, use form SGL 8714, "Application for Veterans' Group Life Insurance".