About VGLI

Important note: Eligibility Window to Apply for VGLI Temporarily Extended
  • Due to Covid-19, the Department of Veteran Affairs (VA) implemented an interim change to Title 38 to extend the Veterans' Group Life Insurance (VGLI) eligibility period by an additional 90 days. The change is effective June 11, 2020 and remains in effect for one-year.

The changes are outlined below:

  1. Veterans have one year and 210 days (about 18 months) after separation to enroll in VGLI. The prior enrollment window was one year and 120 days.
  2. If the Veteran submits a VGLI application within 330 days of separation, evidence of good health will not be required.

This extended enrollment and eligibility period will end June 11, 2021.
  • Veterans' Group Life Insurance (VGLI) is a program that allows you to continue life insurance coverage after you separate from service.
  • VGLI was established in 1974 as part of the Veterans' Insurance Act of 1974.
  • VGLI has been administered by The Prudential Insurance Company of America for the Department of Veterans Affairs since the VGLI program began.
  • You are eligible to apply for VGLI if:
  • You had Servicemembers' Group Life Insurance (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 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 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.
When must I apply for VGLI?
  • You must apply for VGLI within 1 year and 120 days from your date of separation. After that date, you are no longer eligible for VGLI.
  • If you apply within 240 days of your date of separation no medical questions are asked. After 240 days, proof of good health is required to obtain VGLI.
What are the benefits of VGLI?
  • Lifetime coverage - Once obtained, you can keep your VGLI coverage for your entire life regardless of changes to your health or job status, as long as premiums are paid.
  • No medical questions - Apply within 240 days of your date of separation and no medical questions are asked. After 240 days, proof of good health is required to obtain VGLI.
  • No exclusions - VGLI does not exclude Veterans for reasons related to mental health, PTSD, or TBI. Plus, VGLI does not exclude applicants based on their occupation or recreational activities.
  • Standard premium rates - VGLI premium rates are based on age and coverage amount only. Rates are the same regardless of gender or smoker status.
  • Five-year coverage increase option - You can increase your VGLI coverage by $25,000 every five years up to $400,000, until age 60.
Am I eligible for the SGLI Disability Extension?
  • The Servicemembers' Group Life Insurance (SGLI) Disability Extension allows service members who are totally disabled upon separation from service to retain the SGLI coverage they had in service for up to two years at no cost. Learn more about the SGLI Disability Extension or download an application.  opens in a new window
I'm a VGLI beneficiary. How do I file a claim?
  • Complete form SGLV 8283  opens in a new window and return it with a death certificate to the Office of Servicemembers' Group Life Insurance (OSGLI) to start the claim process.
  • Call OSGLI at 800-419-1473 if you need assistance with filing a claim.