United States Department of Veterans Affairs

Servicemembers' & Veterans' Group Life Insurance

Converting SGLI Coverage

Service members covered under the SGLI program have the option to convert their SGLI coverage to an individual policy of insurance within 120 days from the date of separation from the military. In order to convert SGLI coverage, the Servicemember must:

  • select a company from the Participating Companies listing,
  • apply to a local sales office of the company selected and,
  • provide the agent who takes the application a copy of his/her
    separation document (Form DD-214 or NGB-22, or written Reservist orders along with a copy of last Leave & Earnings Statement (LES)).

Members may convert their coverage to a commercial policy at standard premium rates, without having to provide proof of good health. The conversion policy must be a permanent policy, such as a whole life policy.

Other types of policies, such as Term, Variable Life, or Universal Life Insurance are not allowed as conversion policies. In addition, supplementary policy benefits such as Accidental Death and Dismemberment or Waiver of Premium for Disability are not considered part of the conversion policy.

For additional information, please contact OSGLI.

Download Participating Companies Brochure