Free guide
SGLI. VGLI. What comes next?
Military life insurance does not automatically follow the same rules after separation. Understand the deadlines, and the choices, before deciding what comes next.
Clear information. Practical next steps.
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IThe deadlines
Four dates that do the work
These run from your separation date. Missing one does not end your options, but it changes which ones remain open.
I
At separation
SGLI generally continues at no cost for 120 days after separation. Extensions may apply for a qualifying total disability.
II
Within 120 days
The SGLI conversion option generally closes. Converting to a participating permanent policy does not require proof of good health.
III
Within 240 days
VGLI can be applied for with no health review. This is the window that matters most if you have any health history.
IV
Up to 1 year and 120 days
VGLI applications are still accepted, but after the 240-day window they require evidence of good health.
Two things worth saying plainly. The application window is not the same as your coverage: SGLI does not stay active through it. And the 240-day mark is not the deadline to apply, it is the deadline to apply without a health review.
That second one is why VGLI deserves a fair look rather than a dismissal. If you have any health history, a window with no underwriting behind it can be worth more than a lower quoted rate you may not qualify for.
IIWhat is inside
Five parts, and a worksheet you can actually fill in
I
The transition timeline
What ends, what starts, and the dates in between, laid out once so you can see them together.
II
The three paths
VGLI, new private coverage, and SGLI conversion to a permanent policy. What each one is actually for.
III
A comparison worksheet
Coverage amount, premiums now and later, underwriting, duration, and rider terms, side by side.
IV
A family protection checklist
Income, mortgage, debts, children’s education, beneficiaries, and the coverage already in your name.
V
Questions about living benefits
What qualifies, what limitations apply, and how accelerating a benefit affects the death benefit left behind.
Table 24 is an independent insurance agency, not affiliated with the VA, military, or Prudential.
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Understand SGLI, VGLI, and private coverage before choosing your next step. Tell us where to send it.
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Table 24 is an independent insurance agency, not affiliated with the VA, military, or Prudential.