How VGLI Works
A practical guide to eligibility, coverage, premiums and important deadlines.
Coverage amount
Eligible Veterans can obtain $10,000 to $500,000 of VGLI coverage, generally based initially on SGLI coverage held at separation.
Application deadline
VA says you must apply within 1 year and 120 days of leaving the military.
No-health-review period
If you apply within 240 days after separation, you generally do not need to prove good health.
What Happens After You Enroll?
Premiums
Your VGLI premium depends on your age and coverage amount. Rates adjust by five-year age bracket.
Increasing coverage
If below the maximum, VA says you may be able to increase coverage by $25,000 on the first anniversary and every five years thereafter, up to $500,000, until age 60.
VGLI can remain in force: VA states VGLI can be renewed every five years and does not terminate as long as required premiums are paid on time.
Source: U.S. Department of Veterans Affairs VGLI eligibility and benefits →