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Does the increase in the VGLI no-health period affect how long I have to increase coverage within the VGLI application period without answering any health questions?

Published 10/24/2012 02:23 PM   |    Updated 11/08/2012 11:01 AM
Does the increase in the VGLI no-health period affect how long I have to increase coverage within the VGLI application period without answering any health questions?

Yes. Servicemembers have 240 days from the date of separation to increase VGLI coverage up to the amount of SGLI at separation without answering health questions.

FOR EXAMPLE:
John Jones separated from the service on November 1, 2012, with $400,000 of SGLI and applied on November 15, 2012, for only $200,000 in VGLI. A few months later, John wants to increase his VGLI coverage from $200,000 to $400,000.

John Jones would have until May 29, 2013 (240 days from November 1, 2012) to apply for an additional $200,000 of VGLI (for a total of $400,00) without answering any health questions. From May 28, 2013 until the end of his 1 year and 120 day VGLI application period, John would have to answer health questions in order to be approved for VGLI.

If John Jones does not apply for additional VGLI during the 1 year and 120 day application period, he will still be eligible to obtain additional VGLI insurance every 5 years. Click here to learn more about increasing VGLI coverage. (This should take you to:

http://www.insurance.va.gov/sgliSite/VGLI/vgliFaq.htm - It is actually VGLI/13a of these FAQs but the link is not active.

To apply for VGLI online, click here (this should take you to the logon page managed by Pru)

To apply by mail, click here (this should take them to http://www.insurance.va.gov/sgliSite/forms/forms.htm#VGLI)