Veterans' Group Life Insurance (VGLI) lets you keep your SGLI coverage after separation — up to $500,000 in 2026. It's the only post-service VA life insurance available to all veterans, no medical exam required if you apply within 240 days.
What is VGLI?
VGLI is renewable term life insurance offered through the VA to separating service members. It's a continuation of SGLI but with age-based premiums and coverage you choose in $10,000 increments up to $500,000.
VGLI application windows
You have 1 year and 120 days (485 days total) after separation to apply for VGLI. Two windows decide whether you need a medical exam.
- First 240 days — guaranteed acceptance, no medical exam, no health questions.
- Day 241 through day 485 — medical underwriting required. You can be denied based on health.
Tip: If you have any health issues, apply during the first 240 days while acceptance is guaranteed.
VGLI 2026 monthly premiums (at $400,000 coverage)
Premiums rise with age in 5-year brackets. The chart below shows monthly costs for $400,000 of coverage. Premiums are per $10,000 of coverage.
| Age | Per $10,000 | $400,000/mo |
|---|---|---|
| Under 30 | $0.60 | $24.00 |
| 30–34 | $0.80 | $32.00 |
| 35–39 | $1.00 | $40.00 |
| 40–44 | $1.40 | $56.00 |
| 45–49 | $1.90 | $76.00 |
| 50–54 | $2.90 | $116.00 |
| 55–59 | $5.00 | $200.00 |
| 60–64 | $8.50 | $340.00 |
| 65–69 | $13.80 | $552.00 |
| 70–74 | $21.50 | $860.00 |
| 75–79 | $38.50 | $1,540.00 |
| 80+ | $44.00 | $1,760.00 |
VGLI vs. private term life
For young veterans in good health, private term policies often cost less than VGLI. For older veterans or those with health issues, VGLI's guaranteed acceptance during the first 240 days makes it the most affordable option.
Tips for VGLI
- Apply in the no-exam window. Even if you don't need it long term, lock in coverage during the first 240 days.
- Compare with private quotes. Healthy younger veterans often save money with a private 20-year level term policy.
- You can reduce coverage in $10,000 steps to lower your premium as you age.
- Beneficiary updates matter — review annually.
Related guides
- SGLI explained — active-duty coverage
- VA life insurance options hub
- Military life insurance overview
Apply for VGLI at the VA VGLI page.