Veterans' Group Life Insurance (VGLI)
Veterans’ Group Life Insurance (VGLI)
Once your SGLI coverage extension ends, you must make your own arrangements for life
insurance. One option is VGLI, which provides for the conversion of SGLI to a term life insurance
policy that is renewable every five years, regardless of one’s health, and can be retained for
You are eligible to apply for VGLI if you are insured under SGLI and:
- You are being released from active duty or the Reserves or were released within the last year
and 120 days.
- You are a member of the Individual Ready Reserve (IRR) or Inactive National Guard (ING).
- You are a Reservist who suffers an injury or disability during active duty or inactive duty for
training for a period of less than 31 days and become uninsurable at standard premium rates.
You can apply for VGLI within the first 120 days without evidence of good health.
After the initial 120 days you have an additional year to apply, but good health requirements
must be met.
VGLI provides the amount of SGLI coverage a member had in force at the time of separation from
active duty or Reserves. VGLI is issued in multiples of $10,000 up to a maximum $400,000. VGLI can
be converted at any time to an individual permanent insurance policy (i.e., whole life) with any of
26 participating commercial insurance companies.
Since SGLI coverage continues at no cost for 120 days after discharge, VGLI does not take
effect until day 121.
VGLI applications are mailed to eligible members on three occasions:
1. Within 60 days after
2. Three weeks after the first
3. Fifty-one weeks after separation
Note: VGLI applications VA Form SGLV 8714 “Application for Veterans' Group Life
should be mailed to the address shown on your DD Form 214 or equivalent separation orders. It
is your responsibility to apply within the time limits even if you do not receive an application in
Applications for VGLI coverage should be mailed to:
The Office of Servicemembers’ Group Life Insurance
P.O. Box 5000
Millville, New Jersey 08332-9928
Date Last Reviewed: September 8, 2011