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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 for VGLI and how to manage your coverage.

Am I eligible for Veterans’ Group Life Insurance?

You may be eligible for VGLI if you meet at least one of these requirements.

At least one of these must be true:

  • 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 Reserve or National Guard, or
  • You’re within 1 year and 120 days of assignment to the Individual Ready Reserve (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), or
  • You had part-time Servicemembers’ Group Life Insurance (SGLI) as a member of the National Guard or Reserve. 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.

Who’s covered?

  • Veterans
  • Former service members

What life insurance benefits can I get with VGLI?

You can get between $10,000 and $500,000 in term life insurance benefits. The amount you’ll get will be based on how much SGLI coverage you had when you left the military.

Learn about the difference between VGLI term life insurance and whole life insurance coverage

Note: When you leave the military, you can sign up through VGLI for coverage up to the amount you had through SGLI. If you have less than the maximum coverage, you can increase your coverage by $25,000 1 year after getting VGLI and then every 5 years after that. You can increase your coverage up to a total of $500,000 until you’re 60 years old. 

How do I get these benefits?

You’ll need to apply for VGLI within 1 year and 120 days of leaving the military.

If you sign up within 240 days of leaving the military, you won’t need to prove you’re in good health. If you sign up after the 240-day period, you’ll need to submit evidence that you’re in good health.

Apply in one of these ways:

Fax the form to or mail it to:

OSGLI
PO Box 41618
Philadelphia, PA 19176-9913

To reinstate a VGLI policy that has expired, you’ll need to fill out an Application for Reinstatement of VGLI Coverage (SGLV 180).

Get SGLV 180 to download (PDF)

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, 2025.

Ages 29 and younger

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 30.00 490,000 29.40 480,000 28.80 470,000 28.20 460,000 27.60 450,000 27.00 440,000 26.40 430,000 25.80 420,000 25.20 410,000 24.60 400,000 24.00 390,000 23.40 380,000 22.80 370,000 22.20 360,000 21.60 350,000 21.00 340,000 20.40 330,000 19.80 320,000 19.20 310,000 18.60 300,000 18.00 290,000 17.40 280,000 16.80 270,000 16.20 260,000 15.60 250,000 15.00 240,000 14.40 230,000 13.80 220,000 13.20 210,000 12.60 200,000 12.00 190,000 11.40 180,000 10.80 170,000 10.20 160,000 9.60 150,000 9.00 140,000 8.40 130,000 7.80 120,000 7.20 110,000 6.60 100,000 6.00 90,000 5.40 80,000 4.80 70,000 4.20 60,000 3.60 50,000 3.00 40,000 2.40 30,000 1.80 20,000 1.20 10,000 0.60

Ages 30 to 34

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 40.00 490,000 39.20 480,000 38.40 470,000 37.60 460,000 36.80 450,000 36.00 440,000 35.20 430,000 34.40 420,000 33.60 410,000 32.80 400,000 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

Ages 35 to 39

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 50.00 490,000 49.00 480,000 48.00 470,000 47.00 460,000 46.00 450,000 45.00 440,000 44.00 430,000 43.00 420,000 42.00 410,000 41.00 400,000 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

Ages 40 to 44

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 70.00 490,000 68.60 480,000 67.20 470,000 65.80 460,000 64.40 450,000 63.00 440,000 61.60 430,000 60.20 420,000 58.80 410,000 57.40 400,000 56.00 390,000 54.60 380,000 53.20 370,000 51.80 360,000 50.40 350,000 49.00 340,000 47.60 330,000 46.20 320,000 44.80 310,000 43.40 300,000 42.00 290,000 40.60 280,000 39.20 270,000 37.80 260,000 36.40 250,000 35.00 240,000 33.60 230,000 32.20 220,000 30.80 210,000 29.40 200,000 28.00 190,000 26.60 180,000 25.20 170,000 23.80 160,000 22.40 150,000 21.00 140,000 19.60 130,000 18.20 120,000 16.80 110,000 15.40 100,000 14.00 90,000 12.60 80,000 11.20 70,000 9.80 60,000 8.40 50,000 7.00 40,000 5.60 30,000 4.20 20,000 2.80 10,000 1.40

Ages 45 to 49

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 95.00 490,000 93.10 480,000 91.20 470,000 89.30 460,000 87.40 450,000 85.50 440,000 83.60 430,000 81.70 420,000 79.80 410,000 77.90 400,000 76.00 390,000 74.10 380,000 72.20 370,000 70.30 360,000 68.40 350,000 66.50 340,000 64.60 330,000 62.70 320,000 60.80 310,000 58.90 300,000 57.00 290,000 55.10 280,000 53.20 270,000 51.30 260,000 49.40 250,000 47.50 240,000 45.60 230,000 43.70 220,000 41.80 210,000 39.90 200,000 38.00 190,000 36.10 180,000 34.20 170,000 32.30 160,000 30.40 150,000 28.50 140,000 26.60 130,000 24.70 120,000 22.80 110,000 20.90 100,000 19.00 90,000 17.10 80,000 15.20 70,000 13.30 60,000 11.40 50,000 9.50 40,000 7.60 30,000 5.70 20,000 3.80 10,000 1.90

Ages 50 to 54

Coverage amount (in U.S. $) Monthly premium rate (in U.S.$) 500,000 145.00 490,000 142.10 480,000 139.20 470,000 136.30 460,000 133.40 450,000 130.50 440,000 127.60 430,000 124.70 420,000 121.80 410,000 118.90 400,000 116.00 390,000 113.10 380,000 110.20 370,000 107.30 360,000 104.40 350,000 101.50 340,000 98.60 330,000 95.70 320,000 92.80 310,000 89.90 300,000 87.00 290,000 84.10 280,000 81.20 270,000 78.30 260,000 75.40 250,000 72.50 240,000 69.60 230,000 66.70 220,000 63.80 210,000 60.90 200,000 58.00 190,000 55.10 180,000 52.20 170,000 49.30 160,000 46.40 150,000 43.50 140,000 40.60 130,000 37.70 120,000 34.80 110,000 31.90 100,000 29.00 90,000 26.10 80,000 23.20 70,000 20.30 60,000 17.40 50,000 14.50 40,000 11.60 30,000 8.70 20,000 5.80 10,000 2.90

Ages 55 to 59

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 250.00 490,000 245.00 480,000 240.00 470,000 235.00 460,000 230.00 450,000 225.00 440,000 220.00 430,000 215.00 420,000 210.00 410,000 205.00 400,000 200.00 390,000 195.00 380,000 190.00 370,000 185.00 360,000 180.00 350,000 175.00 340,000 170.00 330,000 165.00 320,000 160.00 310,000 155.00 300,000 150.00 290,000 145.00 280,000 140.00 270,000 135.00 260,000 130.00 250,000 125.00 240,000 120.00 230,000 115.00 220,000 110.00 210,000 105.00 200,000 100.00 190,000 95.00 180,000 90.00 170,000 85.00 160,000 80.00 150,000 75.00 140,000 70.00 130,000 65.00 120,000 60.00 110,000 55.00 100,000 50.00 90,000 45.00 80,000 40.00 70,000 35.00 60,000 30.00 50,000 25.00 40,000 20.00 30,000 15.00 20,000 10.00 10,000 5.00

Ages 60 to 64

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 425.00 490,000 416.50 480,000 408.00 470,000 399.50 460,000 391.00 450,000 382.50 440,000 374.00 430,000 365.50 420,000 357.00 410,000 348.50 400,000 340.00 390,000 331.50 380,000 323.00 370,000 314.50 360,000 306.00 350,000 297.50 340,000 289.00 330,000 280.50 320,000 272.00 310,000 263.50 300,000 255.00 290,000 246.50 280,000 238.00 270,000 229.50 260,000 221.00 250,000 212.50 240,000 204.00 230,000 195.50 220,000 187.00 210,000 178.50 200,000 170.00 190,000 161.50 180,000 153.00 170,000 144.50 160,000 136.00 150,000 127.50 140,000 119.00 130,000 110.50 120,000 102.00 110,000 93.50 100,000 85.00 90,000 76.50 80,000 68.00 70,000 59.50 60,000 51.00 50,000 42.50 40,000 34.00 30,000 25.50 20,000 17.00 10,000 8.50

Ages 65 to 69

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 690.00 490,000 676.20 480,000 662.40 470,000 648.60 460,000 634.80 450,000 621.00 440,000 607.20 430,000 593.40 420,000 579.60 410,000 565.80 400,000 552.00 390,000 538.20 380,000 524.40 370,000 510.60 360,000 496.80 350,000 483.00 340,000 469.20 330,000 455.40 320,000 441.60 310,000 427.80 300,000 414.00 290,000 400.20 280,000 386.40 270,000 372.60 260,000 358.80 250,000 345.00 240,000 331.20 230,000 317.40 220,000 303.60 210,000 289.80 200,000 276.00 190,000 262.20 180,000 248.40 170,000 234.60 160,000 220.80 150,000 207.00 140,000 193.20 130,000 179.40 120,000 165.60 110,000 151.80 100,000 138.00 90,000 124.20 80,000 110.40 70,000 96.60 60,000 82.80 50,000 69.00 40,000 55.20 30,000 41.40 20,000 27.60 10,000 13.80

Ages 70 to 74

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 1,075.00 490,000 1,053.50 480,000 1,032.00 470,000 1,010.50 460,000 989.00 450,000 967.50 440,000 946.00 430,000 924.50 420,000 903.00 410,000 881.50 400,000 860.00 390,000 838.50 380,000 817.00 370,000 795.50 360,000 774.00 350,000 752.50 340,000 731.00 330,000 709.50 320,000 688.00 310,000 666.50 300,000 645.00 290,000 623.50 280,000 602.00 270,000 580.50 260,000 559.00 250,000 537.50 240,000 516.00 230,000 494.50 220,000 473.00 210,000 451.50 200,000 430.00 190,000 408.50 180,000 387.00 170,000 365.50 160,000 344.00 150,000 322.50 140,000 301.00 130,000 279.50 120,000 258.00 110,000 236.50 100,000 215.00 90,000 193.50 80,000 172.00 70,000 150.50 60,000 129.00 50,000 107.50 40,000 86.00 30,000 64.50 20,000 43.00 10,000 21.50

Ages 75 to 79

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 1,925.00 490,000 1,886.50 480,000 1,848.00 470,000 1,809.50 460,000 1,771.00 450,000 1,732.50 440,000 1,694.00 430,000 1,655.50 420,000 1,617.00 410,000 1,578.50 400,000 1,540.00 390,000 1,501.50 380,000 1,463.00 370,000 1,424.50 360,000 1,386.00 350,000 1,347.50 340,000 1,309.00 330,000 1,270.50 320,000 1,232.00 310,000 1,193.50 300,000 1,155.00 290,000 1,116.50 280,000 1,078.00 270,000 1,039.50 260,000 1,001.00 250,000 962.50 240,000 924.00 230,000 885.50 220,000 847.00 210,000 808.50 200,000 770.00 190,000 731.50 180,000 693.00 170,000 654.50 160,000 616.00 150,000 577.50 140,000 539.00 130,000 500.50 120,000 462.00 110,000 423.50 100,000 385.00 90,000 346.50 80,000 308.00 70,000 269.50 60,000 231.00 50,000 192.50 40,000 154.00 30,000 115.50 20,000 77.00 10,000 38.50

Ages 80 and older

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 2,200.00 490,000 2,156.00 480,000 2,112.00 470,000 2,068.00 460,000 2,024.00 450,000 1,980.00 440,000 1,936.00 430,000 1,892.00 420,000 1,848.00 410,000 1,804.00 400,000 1,760.00 390,000 1,716.00 380,000 1,672.00 370,000 1,628.00 360,000 1,584.00 350,000 1,540.00 340,000 1,496.00 330,000 1,452.00 320,000 1,408.00 310,000 1,364.00 300,000 1,320.00 290,000 1,276.00 280,000 1,232.00 270,000 1,188.00 260,000 1,144.00 250,000 1,100.00 240,000 1,056.00 230,000 1,012.00 220,000 968.00 210,000 924.00 200,000 880.00 190,000 836.00 180,000 792.00 170,000 748.00 160,000 704.00 150,000 660.00 140,000 616.00 130,000 572.00 120,000 528.00 110,000 484.00 100,000 440.00 90,000 396.00 80,000 352.00 70,000 308.00 60,000 264.00 50,000 220.00 40,000 176.00 30,000 132.00 20,000 88.00 10,000 44.00

Can I choose or update my beneficiaries?

Yes. You can choose your beneficiaries (the people you pick to get the money from your life insurance policy if you die) and change them as needed.

Update your beneficiary information in one of these ways:

Fax the form to or mail it to this address:

OSGLI
PO Box 41618
Philadelphia, PA 19176-9913

How do I convert VGLI coverage to an individual insurance policy?

You can convert VGLI coverage to an individual insurance policy by taking the steps listed here. You’ll be able to convert at standard premium rates, without having to provide proof that you’re in good health.

Choose your new insurance company.

Get a list of the participating companies (PDF)

Apply at the local sales office of your chosen company.

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.

What if I need help with my claim?

If you have questions about Servicemembers’ or Veterans’ Group Life Insurance, you can call the Office of Servicemembers’ Group Life Insurance (OSGLI) at or email the Prudential Insurance Company.

Which forms would my beneficiary or I need?

  • To receive an insurance payment after a Veteran has died, a beneficiary would file a Claim for Death Benefits (SGLV 8283)
    Get SGLV 8283 to download
  • To request an advance insurance payment for a Veteran who’s terminally ill, file a Claim for Accelerated Benefits (SGLV 8284)
    Get SGLV 8284 to download (PDF)

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