Built for Veterans & Transitioning Service Members

Compare VGLI. Protect What Comes Next.

VGLI can be valuable coverage after military service. Its premiums increase as you move into older age bands. Compare VGLI with individually owned life insurance before making any change.

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Free comparison • No obligation • Independent of VA and the federal government

VGLIswap.com is an independent insurance website and is not a government website or affiliated with VA, DoD, OSGLI, or Prudential.

Understand Your Options

Why Veterans Compare VGLI

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Premiums rise by age band

VGLI premiums are based on your age and amount of coverage, and rates adjust in five-year age brackets.

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VGLI has valuable protections

Apply within 240 days after separation and you generally won't need to prove good health. That can be especially important if private underwriting may be difficult.

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Compare — don't guess

Private level-term insurance may offer predictable premiums for a selected term. Compare price, underwriting, duration and features before deciding.

The 240-Day Window Matters

VA says eligible Veterans can apply for VGLI within 1 year and 120 days after leaving the military. If you apply within 240 days, you generally do not have to provide evidence of good health.

1

Leaving service

Review the SGLI coverage you have and when it ends.

2

Compare early

Explore private coverage while preserving your VGLI eligibility window.

3

Put protection in place

Never cancel existing coverage until replacement protection is approved and in force.

Read the Transition Guide

VGLI Is Not One-Size-Fits-All

Reasons VGLI may be valuable

  • No health review if applied for within the first 240 days after separation
  • Renewable term coverage with no age or term limit as long as premiums are paid
  • Same VGLI rate for smokers and non-smokers

Reasons to compare private coverage

  • VGLI premiums increase as you enter older age brackets
  • Private level-term coverage may lock a premium for the selected term
  • Private policies can offer different term lengths, coverage amounts and underwriting classes
Important: VA itself advises Veterans with preexisting conditions to consider securing VGLI promptly during the no-health-review period even if they plan to shop for private insurance. Do not risk a gap in coverage.

Current VGLI Premiums

The current VA-discounted VGLI schedule became effective July 1, 2025. For $500,000 of coverage, monthly premiums range from $30 under age 30 to higher amounts as age increases.

View VGLI Rate Table

Ready to Compare?

See private life insurance options alongside your VGLI costs, then apply for protection through the VGLIswap quote engine.

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