Veterans Group Life Insurance (VGLI) is a program of post-separation insurance which allows Servicemembers to convert their SGLI coverage to renewable term insurance. Members with full-time SGLI coverage are eligible for VGLI upon release from service.
VGLI coverage is issued in multiples of $10,000 up to a maximum of $400,000. However, a Servicemember’s VGLI coverage amount cannot exceed the amount of SGLI they had in force at the time of separation from service.
Premiums are based upon the separating member’s age. Premium rates were reduced effective July 1, 2008. Follow this link to view VGLI premium rates.
You must apply within one year and 120 days from discharge. However, Servicemembers who submit their application within 120 days of discharge do not need to submit evidence of good health. Service members who apply after the 120-day period must submit evidence of good health.
You are eligible for VGLI if you are:
- A SGLI insured who is being 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, or
- A member of the Ready Reserves insured under SGLI who is being separated or released from drilling assignment, or
- A member assigned to the Individual Ready Reserve (IRR) or to the Inactive National Guard (ING) of a branch of service, or
- A member of the Public Health Service (PHS) or Inactive Reserve Corps (IRC), or
- A member who had part-time SGLI and who, while performing duty (or traveling directly to or from duty), suffered an injury or disability which renders him/her uninsurable at standard premium rates.
There are two ways you can apply for VGLI:
- Apply for VGLI Online
You can apply for VGLI online using our online application. The online application will walk you through each step of the application process. OSGLI will instantly evaluate your application and let you know if your coverage is approved or if your application needs further review. Follow this link to apply for VGLI online.
- Apply for VGLI by mail
Within approximately 45 to 60 days following your separation from service, you should receive a VGLI application from OSGLI. If you do not receive an application from OSGLI in the mail, you can download form SGLV 8714, Application for VGLI to apply. If you use this form, you need to enclose a copy of your DD 214 or other equivalent proof of service.