Life Insurance

Serviceman's Group Life Insurance (SGLI) 

SGLI is low-cost term life insurance for service members and reservists. Generally, coverage begins when you enter the service. It is available in amounts up to $200,000. Generally, it expires 120 days after you get out of the service.


Veterans Group Life Insurance (VGLI) 

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.


Eligibility for VALife

If you’re age 80 or younger

You’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.

There’s no time limit to apply after getting your disability rating.

If you’re age 81 or older

You may be eligible for VALife if you meet these requirements.

All of these must be true: 

  • Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, and 
  • After you turned 81, you received a rating for that same disability, and
  • You apply for VALife within 2 years of getting notification of your disability rating
  • https://www.va.gov/life-insurance/options-eligibility/valife/