Getting out · Enrollment
Three free months of VGLI. The 240-day clock did not stop.
If your VGLI is current, VA is skipping premiums November 2026 through January 2027. If you are still converting from SGLI, the deadline did not take a holiday.
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Sign Up One Stop Shop · 2026-09-21
Already on VGLI
VA announced a VGLI premium holiday: November 2026, December 2026, and January 2027. Average save around $330 if you are already paying. Eligible policies that have not lapsed get it automatically. Watch the mail and the email. If you prepaid, you get a credit or you can ask for a refund. Confirm on the official VGLI page, not a screenshot.
No one should charge you to “opt in.” There is nothing to opt into if the policy is current.
Still getting out
SGLI coverage after separation is not forever. You typically get 120 days of SGLI after you leave, then VGLI has a window — generally 1 year and 120 days from separation to apply, and the first 240 days are without health questions. A premium holiday on an existing VGLI policy does not extend that conversion clock.
Put ETS on the TAMP countdown and the BDD clock while you are here. Life insurance is one of three timers. Healthcare and the disability claim are the other two.
How to sign up
01
Already on VGLI?
Do nothing if the policy is current. Read the VA letter. Official page only.
02
Still converting?
Start at https://www.va.gov/life-insurance/options-eligibility/vgli/
03
Run the two healthcare clocks
Getting-out start card: /start/getting-out — TAMP and BDD.
Written from VA.gov VGLI. Always confirm on the official page before you enroll.