Massive Savings
Convert from VGLI group coverage to individual life insurance and save thousands per year while maintaining or increasing your coverage.
24/7 Online Platform
Quote, compare, and apply online anytime - even at 2am. No waiting for agent callbacks or office hours.
You're in Control
Complete the entire process on your timeline. No pressure, no pushy sales calls - just better coverage at lower rates.
Why Convert from VGLI?
VGLI is the 2nd largest group life insurance policy in America, but it may not be your most cost-effective option.
Your Current VGLI
- Premiums increase every 5 years
- Limited coverage amounts
- No cash value accumulation
- Group rates (not personalized)
- Coverage ends if you stop paying
Individual Life Insurance
- Level premiums (never increase)
- Higher coverage amounts available
- Potential cash value growth
- Rates based on your health
- Permanent coverage options
- Save up to 80% annually
Veterans Life Insurance Guide
What is VGLI?
Veterans' Group Life Insurance (VGLI) is a group term life insurance program that allows Veterans to convert their Servicemembers' Group Life Insurance (SGLI) coverage to civilian coverage after separation from service.
Why Consider Converting to Individual Coverage?
- Cost Savings: Individual policies can be up to 80% less expensive than VGLI
- Level Premiums: Your rates stay the same for life, unlike VGLI which increases every 5 years
- More Coverage Options: Higher death benefits and additional riders available
- Cash Value: Permanent life insurance options can build cash value over time
Who Should Consider Converting?
- Veterans currently paying for VGLI coverage
- Service members approaching separation
- Those in good health who can qualify for better rates
- Veterans wanting level premiums instead of increasing costs
- Anyone looking to maximize their life insurance value
How Much Can You Save?
Our quote engine will show you the exact financial benefit in one simple proposal. Many Veterans save $2,000-$5,000 per year by converting to individual coverage.