Servicemembers' & Veterans' Group Life Insurance
Coverage and Features
Veterans' Group Life Insurance (VGLI)
Impacted by Hurricane Sandy? If you reside in an area impacted by Hurricane Sandy and have questions about paying your Veterans’ Group Life Insurance premiums on time or applying for coverage, please call 1-800-419-1473.
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How Much Coverage is Available?
VGLI coverage is issued in multiples of $10,000 up to a maximum of $400,000. However, a Servicemember's initial VGLI coverage amount cannot exceed the amount of SGLI they had in force at the time of separation from service.
Effective April 11, 2011, VGLI insureds who are under age 60 and have less than $400,000 in coverage can purchase up to $25,000 of additional coverage on each five-year anniversary of their coverage, up to the maximum $400,000. No medical underwriting is required for the additional coverage.
How Much Does VGLI Cost?
VGLI Premiums are based upon the separating member's age. Premium rates were reduced effective July 1, 2008. Follow this link to view VGLI premium rates.
How Does VGLI Compare to Other Insurance Programs?
Is VGLI right for you? Follow this link to view VGLI coverage features and compare VGLI to other insurance products you may be considering.
How Much Life Insurance Do I Really Need?
We can help your figure out how much insurance you need. To assess your life insurance needs, follow this link to our Insurance Needs Calculator.
Apply for VGLI Online
You can apply for VGLI online using our online application. The online application will walk you through each step of the application process. OSGLI will instantly evaluate your application and let you know if your coverage is approved or if your application needs further review. Follow this link to apply for VGLI online.
Apply for VGLI by mail
To apply for VGLI by mail you can download and complete SGLV 8714, Application for Veterans' Group Life Insurance and mail it to the Office of Servicemembers' Group Life Insurance with the required premium and a copy of your DD 214 or other equivalent proof of service.
When to Apply for VGLI
You must apply within one year and 120 days from discharge. However, Servicemembers who submit their application within 240 days of discharge do not need to submit evidence of good health. Service members who apply after the 240-day period must submit evidence of good health.
VGLI policyholders can now access our VGLI Newsletter for current information about VGLI.
Frequently Asked Questions
Visit our VGLI Frequently Asked Questions page for answers to common questions about VGLI. If you can't find the information that you're looking for on this site you should call, e-mail or write to the Office of Servicemembers' Group Life Insurance (OSGLI). The OSGLI administers the VGLI program including the processing and payment of claims. Follow this link for OSGLI contact information.