VGLI (Veterans Group Life Insurance)

The only federal life insurance option available to veterans after separation — allows service members to convert their SGLI (Servicemembers Group Life Insurance) into civilian coverage within 240 days of separation, with no medical underwriting required during that window. After 240 days, you must prove good health. Coverage amounts from $10,000 to $500,000 in $10,000 increments. Premiums are based on age. Critical warning: most veterans let their SGLI lapse and lose the conversion window. If you are within 240 days of separation, this decision needs to happen now.

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