Your SGLI Ends in 120 Days. Then What?
VGLI costs $200/mo by age 55. A private term policy locks at $25/mo for 30 years. We’ll show you which one fits your situation.
See My RateA-Rated CarriersVeteran-Friendly UnderwritingLicensed Texas Agents
VGLI costs $200/mo by age 55. A private term policy locks at $25/mo for 30 years. We’ll show you which one fits your situation.
See My Rate
SGLI was excellent coverage while you were on active duty. Up to $500,000 in coverage, about $25/month, no medical underwriting. It covered everyone regardless of health history.
When you separated or retired, you had a window: within 240 days of separation, you can convert your SGLI coverage to VGLI without underwriting. No medical exam. No health questions. You just enroll and pay.
If you’re dealing with service-connected health conditions, converting within this window guarantees you access to coverage regardless of your medical status. Don’t miss it.
VGLI is administered through the VA and managed by Prudential. Here are the five things you need to understand about it.
An honest side-by-side comparison for a healthy 28-year-old veteran with $500,000 in coverage
| Option | Current Monthly | Age 45 Monthly | Age 55 Monthly |
|---|---|---|---|
| VGLI | ~$30 | $100 - $120 | $200 - $250 |
| Private 30-year term | ~$20 - $25 | Same rate (locked in) | Same rate (locked in) |
Rates shown are illustrative estimates for comparison purposes only. Actual premiums depend on your health history, lifestyle, and the carrier’s underwriting. All coverage is subject to application and approval.
A 30-year term policy purchased at 28 stays at $22/month at 48, 53, and 58. VGLI rates more than triple over the same period. For veterans with health issues, VGLI may be the better choice - there’s no blanket answer.
No obligation. No sales call.
The short answer is no, not in the way most people mean it. The VA provides SGLI during service and access to VGLI after. It also offers disability compensation for service-connected injuries. But none of these provide a death benefit to your family if you pass away.
VA disability compensation provides monthly payments to the veteran, but those payments stop at death. Your family does not inherit your disability rating or your compensation checks. A life insurance policy is what ensures your family has income after you’re gone.
We’re an independent brokerage with top-rated carriers and a team that understands how service-connected conditions affect underwriting. When you call us, we pick up.
No obligation. No sales call.
Your situation determines the best approach
This is the best moment to get private coverage. You’re young, the service has maintained your baseline fitness, and you’re entering the civilian workforce. A 20 or 30-year term policy locks in favorable rates for decades.
Do not let VGLI lapse without exploring private options first. You may still qualify for competitive private coverage. If you don’t, you need VGLI in place before the no-underwriting window closes.
Some veterans carry a private policy alongside a scaled-down VGLI policy - using VGLI for guaranteed coverage on the service-connected portion and private insurance for the bulk of coverage.
You served to protect others. Now let us help you protect the people closest to you - your family, your grandkids, your legacy.
VGLI premiums increase in 5-year age bands. A veteran paying $30/month at 25 may pay $200+ by their mid-50s.
Source: VA VGLI rate tablesAfter separation, you have 240 days to convert without medical questions. Miss it, and you’ll need to qualify medically.
Source: VA.govDifferent carriers assess service-connected conditions very differently. Shopping broadly matters more for veterans than almost anyone.
Source: Independent broker data
Whether you’re fresh out of service or decades removed from your last duty station, we’ll show you what’s available - honestly, without pressure, and at no extra fee.
See My RateNo obligation. No sales call. We’ll shop every option available to you.