Coverage4Veterans helps veterans and military families explore private life insurance alternatives to SGLI and VGLI — so you can review coverage gaps, compare options, and protect your family long after service ends.
For most veterans, SGLI coverage ends 120 days after separation from service. VGLI — Veterans Group Life Insurance — offers a path to continued coverage, but rates increase significantly with age. At Coverage4Veterans, we help you understand your SGLI and VGLI options, compare private life insurance alternatives, and find the right coverage for your family.
We understand servicemen's group life insurance, VGLI life insurance rates, and how private alternatives compare — so you can make an informed coverage decision after separation.
We help veterans identify gaps between their current VGLI coverage and what their family actually needs — with a free, no-obligation review tailored to your service history.
Ensure your spouse, children, and dependents are covered with the right group term life insurance or private alternative — protecting what matters most after your service ends.
Share a few details and we'll help you compare SGLI, VGLI, and private life insurance options for your veteran family.
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Every veteran's situation is different. Whether you're reviewing your SGLI coverage, comparing VGLI rates, or exploring private life insurance after separation — we'll help you find the right fit for your family and budget.
Free no-obligation coverage gap review for veterans and military families.
Get a Free Quote →SGLI (Servicemen's Group Life Insurance) provides up to $500,000 in group term life insurance coverage during active duty. Coverage continues for 120 days after separation at no cost — but after that transition window, veterans must elect VGLI or secure private coverage. Understanding when your SGLI coverage ends is the first step in protecting your family.
SGLI life insurance coverage automatically terminates 120 days after you leave active duty. Understanding this transition window is critical to avoiding a coverage gap for your family.
SGLI provides group term life insurance up to $500,000 while on active duty at low group rates. Knowing exactly what you have — and when it expires — helps you plan your next coverage step.
A veteran separates from service with $400,000 in SGLI coverage. After 120 days, that coverage ends. Without electing VGLI or securing private life insurance, their family faces a complete coverage gap at a critical transition point.
VGLI (Veterans Group Life Insurance) allows veterans to convert their SGLI coverage into group life insurance after separation. While VGLI offers guaranteed acceptance within certain windows, VGLI rates increase every 5 years as you age — making it important to compare your options before costs rise significantly.
Veterans can apply for VGLI without a medical exam within 240 days of separation. After that window, evidence of insurability is required — making timing a critical factor.
VGLI cost increases every 5 years based on your age group. For many veterans, comparing private coverage options becomes more valuable as VGLI rates grow over time.
A 35-year-old veteran with $400,000 in VGLI coverage pays a set monthly rate — but that same coverage will cost significantly more at 40, 45, and 50. Reviewing private options during lower-rate periods can help veterans plan long-term coverage costs.
While VGLI veterans group life insurance offers convenience, private life insurance options — including group term life insurance and whole life policies — may offer fixed rates, additional features, and broader family protection. A coverage gap review helps veterans compare VGLI cost against private alternatives to find the best long-term fit.
Unlike VGLI, many private life insurance policies offer level premiums that don't increase with age — giving veterans long-term cost predictability for their family's protection.
Private group term life insurance and whole life options can include spouse coverage, children's riders, and cash value components — benefits not available through VGLI alone.
Veterans who want to compare VGLI life insurance costs against private alternatives — including those who have already elected VGLI and want to understand if a private policy offers better long-term value for their family.
VGLI and SGLI only cover the veteran — not spouses or children. Securing group life insurance benefits for your entire family ensures everyone is protected, not just the service member. We help veterans explore family coverage options that work alongside or beyond their existing VGLI life insurance.
Veterans Group Life Insurance covers the veteran only. Your spouse and dependents need separate coverage — we help you find group life insurance options that protect the entire family.
Securing group life insurance benefits for your children while they're young locks in the lowest possible rates for life — and can never be denied based on health conditions that develop later.
A veteran with $400,000 in VGLI coverage is well protected — but if their spouse passes first, or if a child faces a medical crisis, VGLI provides no benefit. Family coverage closes that gap for the people who depend on you most.
| Feature | VGLI | Private Life Insurance |
|---|---|---|
| Duration | Renewable term | Term or lifetime options |
| Coverage Amount | $10,000 – $500,000 | Varies by policy |
| Monthly Cost | Increases every 5 years | Level rate options available |
| Primary Use | Post-service group life coverage | Flexible family protection |
| Spouse / Family Coverage | Veteran only | Yes — family riders available |
| Best For | Guaranteed post-service coverage | Long-term cost control & flexibility |
Understanding your SGLI and VGLI options is the first step. A coverage gap review helps veterans compare group life insurance benefits and explore private alternatives tailored to their family's needs.
Know exactly what SGLI life insurance provides during active duty, when it ends, and what your transition options are before your coverage window closes.
Understand how veterans group life insurance works, how VGLI rates change over time, and what the cost of VGLI looks like at different age milestones.
See how private group term life insurance and other options stack up against VGLI — so you can make an informed decision for your family's long-term protection.
VGLI doesn't cover your spouse. Review coverage options that protect the person who depends on you most — with no gap in family protection after your service ends.
Explore group life insurance benefits and children's coverage options that protect your kids at every stage — locked in at low rates for life.
Whether transitioning from SGLI or reviewing VGLI, we help veterans identify and close coverage gaps before they affect your family's financial security.
We don't treat you like a generic applicant. Every coverage recommendation is made with your service record, SGLI history, and VGLI options in mind — because your situation is unlike any civilian's.
Understanding the transition from SGLI to VGLI — and beyond — is our specialty. We help veterans navigate coverage changes after separation with clarity and no pressure.
No confusing jargon, no hidden fees. We walk you through every coverage option clearly, help you compare VGLI costs against private alternatives, and make sure you feel confident in your decision.
Fill out our short form — takes under 2 minutes.
We match you with SGLI, VGLI, and private life insurance options tailored to your service history and family needs.
A veteran-focused advisor walks you through the best group life insurance plan for your family.
Enroll with confidence — your family's life insurance coverage is in place.
We know veterans have specific questions about SGLI, VGLI, and how private life insurance options compare. Here are the answers to the most common questions we hear.
Talk to an Advisor →Get a free, no-obligation coverage gap review in minutes. Our veteran-focused advisors are ready to help you compare SGLI, VGLI, and private life insurance options for your family.
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