Veterans' Group Life Insurance (VGLI)

Renewable term life insurance of $10,000 to $500,000 after separation, converting SGLI. No health review if the application is in within 240 days.

Also called: VGLI, SGLI conversion, veterans life insurance, VGLI premium holiday.

For: Veteran or service member.

Where it applies

Applies in states and territories.

Federal

VGLI lets a former member keep group life insurance after leaving service, up to the amount of SGLI they had, from $10,000 to $500,000. It is term insurance that can be renewed for life in five-year terms. A former member qualifies within 1 year and 120 days of release from an active-duty period of 31 days or more, of retiring or leaving the Ready Reserve or Guard, of assignment to the Individual Ready Reserve or Inactive National Guard, or of placement on the Temporary Disability Retired List. An application within 240 days needs no proof of good health; after that, the applicant must show good health. Coverage below the maximum can be raised by $25,000 one year after starting VGLI and every five years after, to $500,000, until age 60. VA has announced a premium holiday: no VGLI premiums from November 1, 2026, through January 31, 2027, with coverage continuing.

Thresholds

Thresholds for Veterans' Group Life Insurance (VGLI)
Gate	Rule
Within 1 year and 120 days of leaving	A former SGLI-insured member applying within the window.

Documents the source lists

What the official source lists for an application, and where to get each document. It is a reference read from the source, not a full list of what the office may ask for; check with the office or an accredited representative before you apply. Needed means the source asks for it; Helps means the source calls it optional or says it speeds things up.

Needed Evidence that you are in good health
If you sign up more than 240 days after leaving the military.
Where to get it Your doctor.
Listed by VA, Veterans’ Group Life Insurance (VGLI) read 2026-10-10

Sources

Veterans' Group Life Insurance (VGLI)Official

Updated

Last updated 2026-10-08.

What changed then:

First published.

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Disclaimer

VetTOC is not affiliated with the U.S. Department of Veterans Affairs or the Department of Defense. Information is for reference only and is not an eligibility determination. Verify with VA, the relevant state or territory, or an accredited VSO.