Your coverage shouldn't
end at separation.

The SGLI / VGLI gap

While you served, SGLI made coverage simple and cheap. The moment you separate, the clock starts — and your options narrow fast.

• SGLI ends quickly. Coverage terminates shortly after separation, with only a limited window to convert.
• VGLI climbs with age. VGLI is valuable and accepts you regardless of health, but premiums step up as you get older and can become expensive over a lifetime.
• Service-connected conditions. Many veterans assume they can't qualify for private coverage. Often you can — and locking it in early is what protects you.

Lock it in now

Individual life insurance lets you secure a rate based on your age and health today and keep it — coverage that doesn't vanish because you changed jobs, retired, or aged out of a program.

The earlier you lock it in, the more you protect. We'll compare what you have now — SGLI, VGLI, or an employer plan — against what an individual policy would cost, and let you make the call.

You earned a benefit that protected your family. Don't let it disappear the day you become a civilian.