Active Duty Military SGLI to VGLI Insurance Conversion Key Timeframes. Date of military separation or retirement (DD-214). SGLI continues free for 120 days after military separation or retirement. Conversion to VGLI with no Health Requirements up to 240 Days. Conversion to VGLI with Health Requirements from 240 Days to 485 Days. SGLI can be converted to VGLI. No insurance coverage from 121 days to the day SGLI is converted to VGLI from 121 Days to 485 Days. SGLI can no longer be converted after 485 Days

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