SGLI ends 120 days after separation. VGLI rates increase every 5 years. Healthy Texas veterans often find better rates — and permanent locked-in pricing — through an individual term policy.
Most veterans don't realize SGLI ends quickly after separation. Understanding your options prevents a dangerous gap in coverage.
SGLI provides $400K group coverage automatically — no underwriting. Coverage ends when you separate, not when you file for VA benefits.
SGLI remains in force for 120 days. This is your window to apply for individual civilian coverage while also evaluating VGLI.
SGLI expires. You can enroll in VGLI (guaranteed, no health exam) or carry private term coverage — or both. Don't go unprotected.
| Feature | SGLI | VGLI | Tower Hill / Tower Hill carrier network |
|---|---|---|---|
| Coverage Amount | Up to $400K | Up to $500K | Up to $5M |
| Rates Change Over Time? | Fixed while active | Increase every 5 yrs | Locked in at issue |
| Health Underwriting | None (auto-enrolled) | None (guaranteed) | Underwritten — best rates for healthy vets |
| Portable? | Ends at separation | Yes | Yes — employer independent |
| Max Coverage Age | Active service only | Up to age 80 | Up to age 70 at issue |
Servicemembers' Group Life Insurance (SGLI) at $400,000 ends 120 days after separation from active duty. Veterans have a 1-year window to convert to VGLI — but VGLI rates increase every 5 years and have no term lock-in. Individual civilian coverage is often cheaper for healthy vets under 50.
VGLI guarantees acceptance regardless of health — valuable for veterans with service-connected conditions. However, VGLI rates increase every 5 years and can become very expensive. Healthy veterans in their 30s and 40s typically save significantly with a private term policy from Tower Hill carrier network.
It depends on the condition. Many service-connected conditions (hearing loss, musculoskeletal injuries, mild PTSD in treatment) are still insurable at standard or Preferred rates. Conditions like uncontrolled diabetes or recent cardiac events may affect underwriting. We recommend getting a quote — carriers assess each case individually.
You can apply for civilian coverage any time after separation. There is no waiting period. Many veterans apply while still in the SGLI window to ensure there is no gap in coverage during the transition.
Yes. Tower Hill's advisors understand the SGLI → VGLI → civilian coverage transition. We help you compare VGLI vs. Tower Hill carrier network pricing side-by-side and explain how service-connected conditions affect underwriting — without pressure to buy.
The same 10–12× income rule applies. For a veteran earning $65K/year post-service with a family, that's $650K–$780K. If you're carrying a VA-backed mortgage, add that balance to your calculation. VGLI caps at $500,000; individual Tower Hill carrier network policies go up to $5M.
You protected others. Now protect the people who matter most. See your private rate alongside VGLI — free, no obligation, no pressure.
Tower Hill Corp · TX Agency License #2608479TX · Carrier: Tower Hill carrier network Insurance Co.