Veterans’ Group Life Insurance (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.

You’ll need to apply for VGLI within one 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:

• Apply through the Office of Servicemembers’ Group Life Insurance (OSGLI), using the Prudential website.
  Apply online through OSGLI
• Apply online through eBenefits
• Apply by mail or fax. Fill out the Application for Veterans’ Group Life Insurance (SGLV 8714).
  Download the Application for Veterans’ Group Life Insurance (PDF)

Fax the form to 800-236-6142, 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).
Download SGLV 180 (PDF)

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.

See the VGLI premium rates before July 1, 2014

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:

• Access your policy online.
  Find your policy through Prudential Life Insurance Company of America, or
  
• Fill out a VGLI Beneficiary Designation form (SGLV 8721).
  Download SGLV 8721 (PDF)
  

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

OSGLI
PO Box 41618
Philadelphia, PA 19176-9913

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:

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.

If you have questions about Servicemembers’ or Veterans’ Group Life Insurance, you can call the Office of Servicemembers’ Group Life Insurance (OSGLI) at 800-419-1473 or email the Prudential Insurance Company.

• To request an advance insurance payment for a service member who’s terminally ill, a family member would file a Claim for Accelerated Benefits (SGLV 8284).
  Download SGLV 8284 (PDF)
  
• To receive an insurance payment in their time of need, a family member would file a Claim for Death Benefits (SGLV 8283).
  Download SGLV 8283 (PDF)