Skip to Content

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 1 of these requirements.

At least 1 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 1 of these ways:

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

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

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 April 1, 2021.

Ages 29 and younger

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 35.00 490,000 34.30 480,000 33.60 470,000 32.90 460,000 32.20 450,000 31.50 440,000 30.80 430,000 30.10 420,000 29.40 410,000 28.70 400,000 28.00 390,000 27.30 380,000 26.60 370,000 25.90 360,000 25.20 350,000 24.50 340,000 23.80 330,000 23.10 320,000 22.40 310,000 21.70 300,000 21.00 290,000 20.30 280,000 19.60 270,000 18.90 260,000 18.20 250,000 17.50 240,000 16.80 230,000 16.10 220,000 15.40 210,000 14.70 200,000 14.00 190,000 13.30 180,000 12.60 170,000 11.90 160,000 11.20 150,000 10.50 140,000 9.80 130,000 9.10 120,000 8.40 110,000 7.70 100,000 7.00 90,000 6.30 80,000 5.60 70,000 4.90 60,000 4.20 50,000 3.50 40,000 2.80 30,000 2.10 20,000 1.40 10,000 0.70

Ages 30 to 34

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 45.00 490,000 44.10 480,000 43.20 470,000 42.30 460,000 41.40 450,000 40.50 440,000 39.60 430,000 38.70 420,000 37.80 410,000 36.90 400,000 36.00 390,000 35.10 380,000 34.20 370,000 33.30 360,000 32.40 350,000 31.50 340,000 30.60 330,000 29.70 320,000 28.80 310,000 27.90 300,000 27.00 290,000 26.10 280,000 25.20 270,000 24.30 260,000 23.40 250,000 22.50 240,000 21.60 230,000 20.70 220,000 19.80 210,000 18.90 200,000 18.00 190,000 17.10 180,000 16.20 170,000 15.30 160,000 14.40 150,000 13.50 140,000 12.60 130,000 11.70 120,000 10.80 110,000 9.90 100,000 9.00 90,000 8.10 80,000 7.20 70,000 6.30 60,000 5.40 50,000 4.50 40,000 3.60 30,000 2.70 20,000 1.80 10,000 0.90

Ages 35 to 39

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 60.00 490,000 58.80 480,000 57.60 470,000 56.40 460,000 55.20 450,000 54.00 440,000 52.80 430,000 51.60 420,000 50.40 410,000 49.20 400,000 48.00 390,000 46.80 380,000 45.60 370,000 44.40 360,000 43.20 350,000 42.00 340,000 40.80 330,000 39.60 320,000 38.40 310,000 37.20 300,000 36.00 290,000 34.80 280,000 33.60 270,000 32.40 260,000 31.20 250,000 30.00 240,000 28.80 230,000 27.60 220,000 26.40 210,000 25.20 200,000 24.00 190,000 22.80 180,000 21.60 170,000 20.40 160,000 19.20 150,000 18.00 140,000 16.80 130,000 15.60 120,000 14.40 110,000 13.20 100,000 12.00 90,000 10.80 80,000 9.60 70,000 8.40 60,000 7.20 50,000 6.00 40,000 4.80 30,000 3.60 20,000 2.40 10,000 1.20

Ages 40 to 44

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 80.00 490,000 78.40 480,000 76.80 470,000 75.20 460,000 73.60 450,000 72.00 440,000 70.40 430,000 68.80 420,000 67.20 410,000 65.60 400,000 64.00 390,000 62.40 380,000 60.80 370,000 59.20 360,000 57.60 350,000 56.00 340,000 54.40 330,000 52.80 320,000 51.20 310,000 49.60 300,000 48.00 290,000 46.40 280,000 44.80 270,000 43.20 260,000 41.60 250,000 40.00 240,000 38.40 230,000 36.80 220,000 35.20 210,000 33.60 200,000 32.00 190,000 30.40 180,000 28.80 170,000 27.20 160,000 25.60 150,000 24.00 140,000 22.40 130,000 20.8 120,000 19.20 110,000 17.60 100,000 16.00 90,000 14.40 80,000 12.8 70,000 11.20 60,000 9.60 50,000 8.00 40,000 6.40 30,000 4.80 20,000 3.20 10,000 1.60

Ages 45 to 49

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 105.00 490,000 102.90 480,000 100.80 470,000 98.70 460,000 96.60 450,000 94.50 440,000 92.40 430,000 90.30 420,000 88.20 410,000 86.10 400,000 84.00 390,000 81.90 380,000 79.80 370,000 77.70 360,000 75.60 350,000 73.50 340,000 71.40 330,000 69.30 320,000 67.20 310,000 65.10 300,000 63.00 290,000 60.90 280,000 58.80 270,000 56.70 260,000 54.60 250,000 52.50 240,000 50.40 230,000 48.30 220,000 46.20 210,000 44.10 200,000 42.00 190,000 39.90 180,000 37.80 170,000 35.70 160,000 33.60 150,000 31.50 140,000 29.40 130,000 27.30 120,000 25.20 110,000 23.10 100,000 21.00 90,000 18.90 80,000 16.80 70,000 14.70 60,000 12.60 50,000 10.50 40,000 8.40 30,000 6.30 20,000 4.20 10,000 2.10

Ages 50 to 54

Coverage amount (in U.S. $) Monthly premium rate (in U.S.$) 500,000 165.00 490,000 161.70 480,000 158.40 470,000 155.10 460,000 151.80 450,000 148.50 440,000 145.20 430,000 141.90 420,000 138.60 410,000 135.30 400,000 132.00 390,000 128.70 380,000 125.40 370,000 122.10 360,000 118.80 350,000 115.50 340,000 112.20 330,000 108.90 320,000 105.60 310,000 102.30 300,000 99.00 290,000 95.70 280,000 92.40 270,000 89.10 260,000 85.80 250,000 82.50 240,000 79.20 230,000 75.90 220,000 72.60 210,000 69.30 200,000 66.00 190,000 62.70 180,000 59.40 170,000 56.10 160,000 52.80 150,000 49.50 140,000 46.20 130,000 42.90 120,000 39.60 110,000 36.30 100,000 33.00 90,000 29.70 80,000 26.40 70,000 23.10 60,000 19.80 50,000 16.50 40,000 13.20 30,000 9.90 20,000 6.60 10,000 3.30

Ages 55 to 59

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 300.00 490,000 294.00 480,000 288.00 470,000 282.00 460,000 276.00 450,000 270.00 440,000 264.00 430,000 258.00 420,000 252.00 410,000 246.00 400,000 240.00 390,000 234.00 380,000 228.00 370,000 222.00 360,000 216.00 350,000 210.00 340,000 204.00 330,000 198.00 320,000 192.00 310,000 186.00 300,000 180.00 290,000 174.00 280,000 168.00 270,000 162.00 260,000 156.00 250,000 150.00 240,000 144.00 230,000 138.00 220,000 132.00 210,000 126.00 200,000 120.00 190,000 114.00 180,000 108.00 170,000 102.00 160,000 96.00 150,000 90.00 140,000 84.00 130,000 78.00 120,000 72.00 110,000 66.00 100,000 60.00 90,000 54.00 80,000 48.00 70,000 42.00 60,000 36.00 50,000 30.00 40,000 24.00 30,000 18.00 20,000 12.00 10,000 6.00

Ages 60 to 64

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 495.00 490,000 485.10 480,000 475.20 470,000 465.30 460,000 455.40 450,000 445.50 440,000 435.60 430,000 425.70 420,000 415.80 410,000 405.90 400,000 396.00 390,000 386.10 380,000 376.20 370,000 366.30 360,000 356.40 350,000 346.50 340,000 336.60 330,000 326.70 320,000 316.80 310,000 306.90 300,000 297.00 290,000 287.10 280,000 277.20 270,000 267.30 260,000 257.40 250,000 247.50 240,000 237.60 230,000 227.70 220,000 217.80 210,000 207.90 200,000 198.00 190,000 188.10 180,000 178.20 170,000 168.30 160,000 158.40 150,000 148.50 140,000 138.60 130,000 128.70 120,000 118.80 110,000 108.90 100,000 99.00 90,000 89.10 80,000 79.20 70,000 69.30 60,000 59.40 50,000 49.50 40,000 39.60 30,000 29.70 20,000 19.80 10,000 9.90

Ages 65 to 69

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 735.00 490,000 720.30 480,000 705.60 470,000 690.90 460,000 676.20 450,000 661.50 440,000 646.80 430,000 632.10 420,000 617.40 410,000 602.70 400,000 588.00 390,000 573.30 380,000 558.60 370,000 543.90 360,000 529.20 350,000 514.50 340,000 499.80 330,000 485.10 320,000 470.40 310,000 455.70 300,000 441.00 290,000 426.30 280,000 411.60 270,000 396.90 260,000 382.20 250,000 367.50 240,000 352.80 230,000 338.10 220,000 323.40 210,000 308.70 200,000 294.00 190,000 279.30 180,000 264.60 170,000 249.90 160,000 235.20 150,000 220.50 140,000 205.80 130,000 191.10 120,000 176.40 110,000 161.70 100,000 147.00 90,000 132.30 80,000 117.60 70,000 102.90 60,000 88.20 50,000 73.50 40,000 58.80 30,000 44.10 20,000 29.40 10,000 14.70

Ages 70 to 74

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 1,130.00 490,000 1,107.40 480,000 1,084.80 470,000 1,062.20 460,000 1,039.60 450,000 1,017.00 440,000 994.40 430,000 971.80 420,000 949.20 410,000 926.60 400,000 904.00 390,000 881.40 380,000 858.80 370,000 836.20 360,000 813.60 350,000 791.00 340,000 768.40 330,000 745.80 320,000 723.20 310,000 700.60 300,000 678.00 290,000 655.40 280,000 632.80 270,000 610.20 260,000 587.60 250,000 565.00 240,000 542.40 230,000 519.80 220,000 497.20 210,000 474.60 200,000 452.00 190,000 429.40 180,000 406.80 170,000 384.20 160,000 361.60 150,000 339.00 140,000 316.40 130,000 293.80 120,000 271.20 110,000 248.60 100,000 226.00 90,000 203.40 80,000 180.80 70,000 158.20 60,000 135.60 50,000 113.00 40,000 90.40 30,000 67.80 20,000 45.20 10,000 22.60

Ages 75 to 79

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 2,140.00 490,000 2,097.20 480,000 2,054.40 470,000 2,011.60 460,000 1,968.80 450,000 1,926.00 440,000 1,883.20 430,000 1,840.40 420,000 1,797.60 410,000 1,754.80 400,000 1,712.00 390,000 1,669.20 380,000 1,626.40 370,000 1,583.60 360,000 1,540.80 350,000 1,498.00 340,000 1,455.20 330,000 1,412.40 320,000 1,369.60 310,000 1,326.80 300,000 1,284.00 290,000 1,241.20 280,000 1,198.40 270,000 1,155.60 260,000 1,112.80 250,000 1,070.00 240,000 1,027.20 230,000 984.40 220,000 941.60 210,000 898.80 200,000 856.00 190,000 813.20 180,000 770.40 170,000 727.60 160,000 684.80 150,000 642.00 140,000 599.20 130,000 556.40 120,000 513.60 110,000 470.80 100,000 428.00 90,000 385.20 80,000 342.40 70,000 299.60 60,000 256.80 50,000 214.00 40,000 171.20 30,000 128.40 20,000 85.60 10,000 42.80

Ages 80 and older

Coverage amount (in U.S. $) Monthly premium rate (in U.S. $) 500,000 2,250.00 490,000 2,205.00 480,000 2,160.00 470,000 2,115.00 460,000 2,070.00 450,000 2,025.00 440,000 1,980.00 430,000 1,935.00 420,000 1,890.00 410,000 1,845.00 400,000 1,800.00 390,000 1,755.00 380,000 1,710.00 370,000 1,665.00 360,000 1,620.00 350,000 1,575.00 340,000 1,530.00 330,000 1,485.00 320,000 1,440.00 310,000 1,395.00 300,000 1,350.00 290,000 1,305.00 280,000 1,260.00 270,000 1,215.00 260,000 1,170.00 250,000 1,125.00 240,000 1,080.00 230,000 1,035.00 220,000 990.00 210,000 945.00 200,000 900.00 190,000 855.00 180,000 810.00 170,000 765.00 160,000 720.00 150,000 675.00 140,000 630.00 130,000 585.00 120,000 540.00 110,000 495.00 100,000 450.00 90,000 405.00 80,000 360.00 70,000 315.00 60,000 270.00 50,000 225.00 40,000 180.00 30,000 135.00 20,000 90.00 10,000 45.00

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 1 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

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 800-419-1473 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

Last updated: