---
title: VGLI rates by age | Veterans | Coverfolk
url: https://coverfolk.com/veterans/vgli-rates
updated: 2026-10-08
---

# VGLI rates by age

Updated October 8, 2026[Fact checked](/editorial-standards)

The short answer

VGLI costs more as you get older. At $100,000 of coverage, VA lists $6.00 a month for ages 29 and younger and $85.00 a month for ages 60 to 64.

VA sets VGLI prices by age band. Your price goes up when you move into a new band. VA does not charge more for men or women. It does not charge more if you use tobacco.

The table below shows the monthly cost for four coverage amounts. VA lists every amount from $10,000 to $500,000 in $10,000 steps. These rates took effect July 1, 2025.

VA has a premium holiday. If your VGLI is active on November 1, 2026, you pay nothing for November, December, and January. Your coverage keeps going. It happens on its own.

VGLI is term coverage. Costs start low but rise with age. If you want a price that stays the same, you can switch VGLI to a private permanent policy at any time with a participating company and no medical exam.

## Key facts

* Rates shown took effect July 1, 2025.
* Price is based only on age band and coverage amount.
* No extra charge for gender or tobacco use.
* Coverage runs from $10,000 to $500,000.
* No VGLI premiums due November 1, 2026, through January 31, 2027, if your coverage is active on November 1, 2026.

## Monthly VGLI rates

| Age | $50,000 | $100,000 | $250,000 | $500,000 |
| --- | --- | --- | --- | --- |
| **29 and younger** | $3.00 | $6.00 | $15.00 | $30.00 |
| **30 to 34** | $4.00 | $8.00 | $20.00 | $40.00 |
| **35 to 39** | $5.00 | $10.00 | $25.00 | $50.00 |
| **40 to 44** | $7.00 | $14.00 | $35.00 | $70.00 |
| **45 to 49** | $9.50 | $19.00 | $47.50 | $95.00 |
| **50 to 54** | $14.50 | $29.00 | $72.50 | $145.00 |
| **55 to 59** | $25.00 | $50.00 | $125.00 | $250.00 |
| **60 to 64** | $42.50 | $85.00 | $212.50 | $425.00 |
| **65 to 69** | $69.00 | $138.00 | $345.00 | $690.00 |
| **70 to 74** | $107.50 | $215.00 | $537.50 | $1,075.00 |
| **75 to 79** | $192.50 | $385.00 | $962.50 | $1,925.00 |
| **80 and older** | $220.00 | $440.00 | $1,100.00 | $2,200.00 |

Monthly VGLI premiums as of July 1, 2025, from the VA VGLI page (va.gov/life-insurance/options-eligibility/vgli), checked October 7, 2026.

## Common questions

Why did my VGLI bill go up?

You likely moved into an older age band. VGLI prices go up by age band.

Do I have to do anything to get the premium holiday?

No. VA says it is applied on its own if your coverage is active on November 1, 2026. If you use your bank's bill pay, VA says to stop payments for November through January.

Does VGLI cost more if I smoke?

No. VA says the monthly cost depends only on your age, not your gender or tobacco use.

## Sources

1. [Veterans' Group Life Insurance (VGLI), VA](https://www.va.gov/life-insurance/options-eligibility/vgli/)
2. [VGLI Premium Holiday FAQs, VA](https://www.benefits.va.gov/insurance/vgli_premium_holiday_faqs.asp)
3. [Compare VGLI to other life insurance options, VA](https://www.va.gov/resources/compare-vgli-to-other-life-insurance-options/)