Life insurance
SGLI while you serve. VGLI on a 240-day clock.
Check SGLI, FSGLI, and the beneficiary in milConnect now. After separation, SGLI runs 120 days free. Apply for VGLI within 240 days with no health questions, or out to 1 year and 120 days with proof of health.
01
While in — milConnect elections
SGLI amount, Family SGLI, TSGLI, and the beneficiary. TSP and SGLI do not read your will. Do this the same day you enroll TRICARE.
02
Do not cancel SGLI before you separate
VGLI starts at the SGLI face amount you held (up to $500,000). Cancelling early can shrink what you can keep.
03
120 / 240 / 1 year + 120
Free SGLI for 120 days after separation. VGLI with no health questions through day 240. After that, health questions through 1 year and 120 days. Then the window closes.
04
Apply on VA.gov / OSGLI
This is life insurance, not a disability claim and not homeowners coverage. Shop a civilian policy in parallel if VGLI pricing is steep later in life.