This tool provides estimates for educational purposes only. We are not accredited by the Department of Veterans Affairs and do not file claims, provide legal advice, or represent veterans before the VA (38 U.S.C. § 5904). For official assistance, contact a VSO, CVSO, or VA-accredited attorney.
SGLI → VGLI Conversion Window
Based on SGLI-to-VGLI conversion authority at 38 U.S.C. § 1968 and the program regulations at 38 CFR Part 9. Window lengths (120 / 240 / 485 days) as published by OSGLI at benefits.va.gov/insurance/vgli.asp. This page is a free community resource. We are not VA-accredited and do not file claims or provide legal advice (per 38 U.S.C. § 5904).
Last reviewed: April 2026 · Next review: October 2026
Maintained by: Veterans Benefits Navigator editorial team. Every citation links to a primary federal or state source. See editorial standards and our privacy posture.
Primary sources: 38 U.S.C. § 1968 (SGLI termination & conversion), 38 CFR Part 9 (SGLI/VGLI regulations), VA.gov VGLI
Servicemembers' Group Life Insurance (SGLI) can be converted to Veterans' Group Life Insurance (VGLI) within a strict window after separation[src]. The 240-day no-health-questions window is the one most members miss. Enter your separation date below to see where you stand.
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Why the 240-day window matters
For 240 days after separation, VGLI can be issued without proof of good health. After 240 days and up to 485 days (485 days, or roughly 1 year and 120 days), VGLI is still available but must be underwritten. After 485 days the window closes permanently and cannot be reopened.
How to apply
Applications are handled by the Office of Servicemembers' Group Life Insurance (OSGLI), VA's designated administrator for SGLI and VGLI. Online application, premium estimates, and coverage options are published at benefits.va.gov/insurance/vgli.asp. Premium rates are published by age group and coverage amount on that page.
If the window has closed
VA Life Insurance (VALife) is a guaranteed-acceptance whole-life option for service-connected veterans regardless of rating. Details are at benefits.va.gov/insurance/valife.asp. Civilian term life from a commercial carrier may also be available and is often less expensive than VGLI for younger applicants in good health.
Disclaimer: This tool provides general information only and is not legal or financial advice. Premium amounts, coverage maxima, and eligibility rules are set by VA and OSGLI and may change. Always confirm current rules at benefits.va.gov/insurance/vgli.asp before acting.