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Veterans’ Group Life Insurance (VGLI)

With Veterans’ Group Life Insurance (VGLI), you may be able to keep your life insurance coverage after you leave the military for as long as you continue to pay the premiums. Find out if you qualify—and how to manage your coverage.

Can I get VGLI?

You may be able to get VGLI if:

  • You had part-time Servicemembers’ Group Life Insurance (SGLI) as a member of the National Guard or Reserves, and you suffered an injury or disability (damage to your body or mind that makes it hard for you to do everyday tasks, including meaningful work) while on duty—including direct traveling to and from duty—that disqualified you for standard premium insurance rates, or
  • You had SGLI while you were in the military and you’re within 1 year and 120 days of being released from an active-duty period of 31 or more days, or
  • You’re within 1 year and 120 days of retiring or being released from the Ready Reserves or National Guard, or
  • You’re within 1 year and 120 days of assignment to the Individual Ready Reserves (IRR) of a branch of service, or to the Inactive National Guard (ING). This includes members of the United States Public Health Service Inactive Reserve Corps (IRC), or
  • You’re within 1 year and 120 days of being put on the Temporary Disability Retirement List (TDRL)

Who’s covered?

  • Veterans
  • Former Servicemembers

What life insurance benefits can I get with VGLI?

$10,000 to $400,000 in life insurance benefits, based on the amount of SGLI coverage you had when you left the military.

Note: When you leave the military, you can sign up through VGLI for coverage up to the amount you had through SGLI. You can also increase your coverage by $25,000 every 5 years—up to $400,000—until you’re 60 years old.


How do I get these benefits?

You’ll need to apply for these benefits. When you apply, you won’t need to prove you’re in good health as long as you sign up within 240 days of leaving the military.

Apply in 1 of 3 ways:

Fax the form to 800-236-6142, or mail it to:

OSGLI
PO Box 41618
Philadelphia, PA 19176-9913

How much will I pay for these benefits?

VGLI premium rates are based on your age and the amount of insurance coverage you want. Choose your age to find monthly premium rates as of July 1, 2014.

  • Coverage amount Monthly premium rate
    $400,000 $32.00
    $390,000 $31.20
    $380,000 $30.40
    $370,000 $29.60
    $360,000 $28.80
    $350,000 $28.00
    $340,000 $27.20
    $330,000 $26.40
    $320,000 $25.60
    $310,000 $24.80
    $300,000 $24.00
    $290,000 $23.20
    $280,000 $22.40
    $270,000 $21.60
    $260,000 $20.80
    $250,000 $20.00
    $240,000 $19.20
    $230,000 $18.40
    $220,000 $17.60
    $210,000 $16.80
    $200,000 $16.00
    $190,000 $15.20
    $180,000 $14.40
    $170,000 $13.60
    $160,000 $12.80
    $150,000 $12.00
    $140,000 $11.20
    $130,000 $10.40
    $120,000 $9.60
    $110,000 $8.80
    $100,000 $8.00
    $90,000 $7.20
    $80,000 $6.40
    $70,000 $5.60
    $60,000 $4.80
    $50,000 $4.00
    $40,000 $3.20
    $30,000 $2.40
    $20,000 $1.60
    $10,000 $0.80
  • Coverage amount Monthly premium rate
    $400,000 $40.00
    $390,000 $39.00
    $380,000 $38.00
    $370,000 $37.00
    $360,000 $36.00
    $350,000 $35.00
    $340,000 $34.00
    $330,000 $33.00
    $320,000 $32.00
    $310,000 $31.00
    $300,000 $30.00
    $290,000 $29.00
    $280,000 $28.00
    $270,000 $27.00
    $260,000 $26.00
    $250,000 $25.00
    $240,000 $24.00
    $230,000 $23.00
    $220,000 $22.00
    $210,000 $21.00
    $200,000 $20.00
    $190,000 $19.00
    $180,000 $18.00
    $170,000 $17.00
    $160,000 $16.00
    $150,000 $15.00
    $140,000 $14.00
    $130,000 $13.00
    $120,000 $12.00
    $110,000 $11.00
    $100,000 $10.00
    $90,000 $9.00
    $80,000 $8.00
    $70,000 $7.00
    $60,000 $6.00
    $50,000 $5.00
    $40,000 $4.00
    $30,000 $3.00
    $20,000 $2.00
    $10,000 $1.00
  • Coverage amount Monthly premium rate
    $400,000 $52.00
    $390,000 $50.70
    $380,000 $49.40
    $370,000 $48.10
    $360,000 $46.80
    $350,000 $45.50
    $340,000 $44.20
    $330,000 $42.90
    $320,000 $41.60
    $310,000 $40.30
    $300,000 $39.00
    $290,000 $37.70
    $280,000 $36.40
    $270,000 $35.10
    $260,000 $33.80
    $250,000 $32.50
    $240,000 $31.20
    $230,000 $29.90
    $220,000 $28.60
    $210,000 $27.30
    $200,000 $26.00
    $190,000 $24.70
    $180,000 $23.40
    $170,000 $22.10
    $160,000 $20.80
    $150,000 $19.50
    $140,000 $18.20
    $130,000 $16.90
    $120,000 $15.60
    $110,000 $14.30
    $100,000 $13.00
    $90,000 $11.70
    $80,000 $10.40
    $70,000 $9.10
    $60,000 $7.80
    $50,000 $6.50
    $40,000 $5.20
    $30,000 $3.90
    $20,000 $2.60
    $10,000 $1.30
  • Coverage amount Monthly premium rate
    $400,000 $68.00
    $390,000 $66.30
    $380,000 $64.60
    $370,000 $62.90
    $360,000 $61.20
    $350,000 $59.50
    $340,000 $57.80
    $330,000 $56.10
    $320,000 $54.40
    $310,000 $52.70
    $300,000 $51.00
    $290,000 $49.30
    $280,000 $47.60
    $270,000 $45.90
    $260,000 $44.20
    $250,000 $42.50
    $240,000 $40.80
    $230,000 $39.10
    $220,000 $37.40
    $210,000 $35.70
    $200,000 $34.00
    $190,000 $32.30
    $180,000 $30.60
    $170,000 $28.90
    $160,000 $27.20
    $150,000 $25.50
    $140,000 $23.80
    $130,000 $22.10
    $120,000 $20.40
    $110,000 $18.70
    $100,000 $17.00
    $90,000 $15.30
    $80,000 $13.60
    $70,000 $11.90
    $60,000 $10.20
    $50,000 $8.50
    $40,000 $6.80
    $30,000 $5.10
    $20,000 $3.40
    $10,000 $1.70
  • Coverage amount Monthly premium rate
    $400,000 $88.00
    $390,000 $85.80
    $380,000 $83.60
    $370,000 $81.40
    $360,000 $79.20
    $350,000 $77.00
    $340,000 $74.80
    $330,000 $72.60
    $320,000 $70.40
    $310,000 $68.20
    $300,000 $66.00
    $290,000 $63.80
    $280,000 $61.60
    $270,000 $59.40
    $260,000 $57.20
    $250,000 $55.00
    $240,000 $52.80
    $230,000 $50.60
    $220,000 $48.40
    $210,000 $46.20
    $200,000 $44.00
    $190,000 $41.80
    $180,000 $39.60
    $170,000 $37.40
    $160,000 $35.20
    $150,000 $33.00
    $140,000 $30.80
    $130,000 $28.60
    $120,000 $26.40
    $110,000 $24.20
    $100,000 $22.00
    $90,000 $19.80
    $80,000 $17.60
    $70,000 $15.40
    $60,000 $13.20
    $50,000 $11.00
    $40,000 $8.80
    $30,000 $6.60
    $20,000 $4.40
    $10,000 $2.20
  • Coverage amount Monthly premium rate
    $400,000 $144.00
    $390,000 $140.40
    $380,000 $136.80
    $370,000 $133.20
    $360,000 $129.60
    $350,000 $126.00
    $340,000 $122.40
    $330,000 $118.80
    $320,000 $115.20
    $310,000 $111.60
    $300,000 $108.00
    $290,000 $104.40
    $280,000 $100.80
    $270,000 $97.20
    $260,000 $93.60
    $250,000 $90.00
    $240,000 $86.40
    $230,000 $82.80
    $220,000 $79.20
    $210,000 $75.60
    $200,000 $72.00
    $190,000 $68.40
    $180,000 $64.80
    $170,000 $61.20
    $160,000 $57.60
    $150,000 $54.00
    $140,000 $50.40
    $130,000 $46.80
    $120,000 $43.20
    $110,000 $39.60
    $100,000 $36.00
    $90,000 $32.40
    $80,000 $28.80
    $70,000 $25.20
    $60,000 $21.60
    $50,000 $18.00
    $40,000 $14.40
    $30,000 $10.80
    $20,000 $7.20
    $10,000 $3.60
  • Coverage amount Monthly premium rate
    $400,000 $268.00
    $390,000 $261.30
    $380,000 $254.60
    $370,000 $247.90
    $360,000 $241.20
    $350,000 $234.50
    $340,000 $227.80
    $330,000 $221.10
    $320,000 $214.40
    $310,000 $207.70
    $300,000 $201.00
    $290,000 $194.30
    $280,000 $187.60
    $270,000 $180.90
    $260,000 $174.20
    $250,000 $167.50
    $240,000 $160.80
    $230,000 $154.10
    $220,000 $147.40
    $210,000 $140.70
    $200,000 $134.00
    $190,000 $127.30
    $180,000 $120.60
    $170,000 $113.90
    $160,000 $107.20
    $150,000 $100.50
    $140,000 $93.80
    $130,000 $87.10
    $120,000 $80.40
    $110,000 $73.70
    $100,000 $67.00
    $90,000 $60.30
    $80,000 $53.60
    $70,000 $46.90
    $60,000 $40.20
    $50,000 $33.50
    $40,000 $26.80
    $30,000 $20.10
    $20,000 $13.40
    $10,000 $6.70
  • Coverage amount Monthly premium rate
    $400,000 $432.00
    $390,000 $421.20
    $380,000 $410.40
    $370,000 $399.60
    $360,000 $388.80
    $350,000 $378.00
    $340,000 $367.20
    $330,000 $356.40
    $320,000 $345.60
    $310,000 $334.80
    $300,000 $324.00
    $290,000 $313.20
    $280,000 $302.40
    $270,000 $291.60
    $260,000 $280.80
    $250,000 $270.00
    $240,000 $259.20
    $230,000 $248.40
    $220,000 $237.60
    $210,000 $226.80
    $200,000 $216.00
    $190,000 $205.20
    $180,000 $194.40
    $170,000 $183.60
    $160,000 $172.80
    $150,000 $162.00
    $140,000 $151.20
    $130,000 $140.40
    $120,000 $129.60
    $110,000 $118.80
    $100,000 $108.00
    $90,000 $97.20
    $80,000 $86.40
    $70,000 $75.60
    $60,000 $64.80
    $50,000 $54.00
    $40,000 $43.20
    $30,000 $32.40
    $20,000 $21.60
    $10,000 $10.80
  • Coverage amount Monthly premium rate
    $400,000 $600.00
    $390,000 $585.00
    $380,000 $570.00
    $370,000 $555.00
    $360,000 $540.00
    $350,000 $525.00
    $340,000 $510.00
    $330,000 $495.00
    $320,000 $480.00
    $310,000 $465.00
    $300,000 $450.00
    $290,000 $435.00
    $280,000 $420.00
    $270,000 $405.00
    $260,000 $390.00
    $250,000 $375.00
    $240,000 $360.00
    $230,000 $345.00
    $220,000 $330.00
    $210,000 $315.00
    $200,000 $300.00
    $190,000 $285.00
    $180,000 $270.00
    $170,000 $255.00
    $160,000 $240.00
    $150,000 $225.00
    $140,000 $210.00
    $130,000 $195.00
    $120,000 $180.00
    $110,000 $165.00
    $100,000 $150.00
    $90,000 $135.00
    $80,000 $120.00
    $70,000 $105.00
    $60,000 $90.00
    $50,000 $75.00
    $40,000 $60.00
    $30,000 $45.00
    $20,000 $30.00
    $10,000 $15.00
  • Coverage amount Monthly premium rate
    $400,000 $920.00
    $390,000 $897.00
    $380,000 $874.00
    $370,000 $851.00
    $360,000 $828.00
    $350,000 $805.00
    $340,000 $782.00
    $330,000 $759.00
    $320,000 $736.00
    $310,000 $713.00
    $300,000 $690.00
    $290,000 $667.00
    $280,000 $644.00
    $270,000 $621.00
    $260,000 $598.00
    $250,000 $575.00
    $240,000 $552.00
    $230,000 $529.00
    $220,000 $506.00
    $210,000 $483.00
    $200,000 $460.00
    $190,000 $437.00
    $180,000 $414.00
    $170,000 $391.00
    $160,000 $368.00
    $150,000 $345.00
    $140,000 $322.00
    $130,000 $299.00
    $120,000 $276.00
    $110,000 $253.00
    $100,000 $230.00
    $90,000 $207.00
    $80,000 $184.00
    $70,000 $161.00
    $60,000 $138.00
    $50,000 $115.00
    $40,000 $92.00
    $30,000 $69.00
    $20,000 $46.00
    $10,000 $23.00
  • Coverage amount Monthly premium rate
    $400,000 $1,840.00
    $390,000 $1,794.00
    $380,000 $1,748.00
    $370,000 $1,702.00
    $360,000 $1,656.00
    $350,000 $1,610.00
    $340,000 $1,564.00
    $330,000 $1,518.00
    $320,000 $1,472.00
    $310,000 $1,426.00
    $300,000 $1,380.00
    $290,000 $1,334.00
    $280,000 $1,288.00
    $270,000 $1,242.00
    $260,000 $1,196.00
    $250,000 $1,150.00
    $240,000 $1,104.00
    $230,000 $1,058.00
    $220,000 $1,012.00
    $210,000 $966.00
    $200,000 $920.00
    $190,000 $874.00
    $180,000 $828.00
    $170,000 $782.00
    $160,000 $736.00
    $150,000 $690.00
    $140,000 $644.00
    $130,000 $598.00
    $120,000 $552.00
    $110,000 $506.00
    $100,000 $460.00
    $90,000 $414.00
    $80,000 $368.00
    $70,000 $322.00
    $60,000 $276.00
    $50,000 $230.00
    $40,000 $184.00
    $30,000 $138.00
    $20,000 $92.00
    $10,000 $46.00

See the VGLI premium rates before July 1, 2014.



Can I convert my VGLI policy into a commercial policy?

Yes. You can convert your policy into a commercial (civilian) policy at any time. You’ll be able to convert at standard premium rates, without having to provide proof that you’re in good health.

To convert your VGLI policy:

  1. Choose your new insurance company. View our list of companies that take part in this program.

  2. Apply at the local sales office of your chosen company.

  3. Get a letter from OSGLI confirming that you have VGLI coverage (called a VGLI Conversion Notice) and give the letter to the agent who takes your application.

Note: The conversion policy must be a permanent policy, such as a whole life policy. You can’t convert to other types of policies, like term, variable life, or universal life insurance. And supplementary policy benefits, like Accidental Death and Dismemberment or Waiver of Premium for Disability, aren’t considered part of the conversion policy.


Where can I find more information?

Read our insurance publications.


Veterans’ Mortgage Life Insurance (VMLI)

If you have a severe service-connected disability that we’ve concluded was caused—or made worse—by your service, you may be able to get Veterans’ Mortgage Life Insurance (VMLI). In the event of your death, this mortgage protection insurance can help your family pay off the home mortgage on a home that’s been adapted to meet your needs.

To get VMLI, you’ll need to apply for our Specially Adapted Housing (SAH) Grant. The SAH grant can help you buy, build, or make changes (like installing ramps or widening doorways) to a home so you can live more independently. When you receive an SAH grant, your Loan Guaranty agent will tell you if you qualify for VMLI and will help you apply.
Find out if you qualify for an SAH grant—and how to apply.
Find out if you qualify for VMLI—and how to apply.