Anyone meeting the eligibility criteria under "Who is Eligible for VGLI?" should consider making VGLI part of their insurance portfolio. However, members with medical conditions that may affect their insurability should make obtaining VGLI a priority in their insurance planning. Most insurance plans use a health review to determine eligibility for insurance coverage. Certain medical conditions can make it difficult to pass this health review and obtain coverage. In the case of VGLI, eligible members can apply during the "4240-day no-health" application period and be approved without any health review, regardless of the severity of their health conditions.