Your SGLI stays free for 120 days after you leave, then it ends. Move fast to keep coverage through VGLI, a private policy, or both.
VA gives you 4 ways to keep life insurance when you leave. Each one has a time limit. Act early so you do not lose an option.
Option 1 is VGLI. Apply within 240 days and VA will not look at your health. Option 2 is the free SGLI Disability Extension for up to 2 years if you are totally disabled. Option 3 is turning SGLI into a private permanent policy within 120 days with no health proof.
Option 4 is to get both VGLI and a private policy. This helps if you want more than VGLI gives. A private company may check your health and may charge more.
VGLI is term coverage that you renew every 5 years. Private term covers a set time, often 10 to 30 years, and the price stays the same. Private whole life costs more but builds cash value. Pick based on your health and your budget.
Key facts
- SGLI free coverage ends 120 days after you leave.
- VGLI with no health review: apply within 240 days.
- Final VGLI deadline: 1 year and 120 days after you leave.
- SGLI to private permanent policy with no health proof: within 120 days.
- Private insurers often price by gender and tobacco use. VGLI does not.
At a glance
| Coverage | SGLI while serving (monthly) | VGLI age 29 and younger (monthly) | VGLI age 30 to 34 (monthly) |
|---|---|---|---|
| $100,000 | $6.00 | $6.00 | $8.00 |
| $250,000 | $13.50 | $15.00 | $20.00 |
| $500,000 | $26.00 | $30.00 | $40.00 |
SGLI totals include the $1 TSGLI charge, from the VA SGLI page. VGLI rates as of July 1, 2025, from the VA VGLI page. Checked October 7, 2026.
Common questions
Should I pick VGLI or a private policy?
VA says to apply for VGLI right away even if you want private coverage. That way you keep the no health review window open.
Is VGLI good if I am healthy?
VA says private term may fit if you are healthy and want a price that stays the same. VGLI may fit if you have a health condition linked to service.
Can I switch VGLI to a private plan later?
Yes. VA says you can switch VGLI to a private permanent policy at any time with a participating company and no medical exam.
