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Life Insurance

Veterans' Group Life Insurance (VGLI) FAQs

VGLI provides you with a solid foundation of coverage for life. VGLI coverage continues as long as premiums are paid. Once approved, no medical questions are asked.

Where do I send general correspondence and contact information updates?

  • Send correspondence to:
      • Office of Servicemembers' Group Life Insurance
      PO Box 41618
      Philadelphia, PA 19176-1618
  • Please add your Control Number to all written correspondence.
  • You can also update your contact information through your VGLI Online Account.

How much is the monthly premium?

VGLI premium rates are based on your age and amount of coverage. Rates adjust (increase) at five-year age brackets. Please reference the online premium rate chart.

Where do I send my premium payment?

  • Send your premium payments to:
      • The Prudential Insurance Company of America
      Office of Servicemembers' Group Life Insurance
      PO Box 981509
      Boston MA 02298-1509
  • Make checks or money orders payable to OSGLI.
  • Include your Control Number on all payments.
  • Do not include correspondence with your premium payment.
  • You may also pay with a credit card or electronic check by calling OSGLI or accessing your VGLI Online Account.

I chose to pay my premium by deduction from my retirement pay or disability compensation. When will deductions begin?

Deductions should begin by the time your third month’s premium is due. Please continue to make monthly payments until your automatic deductions begin.

Will my VGLI premium ever increase?

VGLI premium rates are based on your age and amount of coverage. Rates adjust at five-year age brackets. Please reference the online premium rate chart.

What happens if I don't pay my premiums on time?

If you don’t pay the full amount due within 60 days of the premium due date, your coverage will be cancelled.

Can I change my VGLI coverage amount?

Coverage increases: If you chose a VGLI amount lower than the amount of SGLI you had at separation, you can increase your VGLI up to that amount within 1 year and 120 days from your separation date. Evidence of good health will be required. In addition, Veterans under age 60 may increase their coverage by $25,000 on their one-year VGLI anniversary, and every five years after that, up to the legislated maximum of $500,000 without proof of good health.

Coverage decreases: You may decrease your coverage at any time. Please note: You will have five years from the date of the decrease to request that your coverage be restored to the level it was before the decrease. Evidence of good health will be required.

How do I change my beneficiary designation?

What if I don't name a beneficiary?

  • If you do not name a beneficiary, your VGLI benefit will be paid according to federal law in the following order:
      • 1st - Your widow or widower,
      2nd - Your child or children in equal shares, with the share of any deceased child distributed among the descendants of that child,
      3rd - Your parents in equal shares or the entire amount to the surviving parent,
      4th - Duly appointed executor or administrator of your estate,
      5th - Next of kin under the laws of the state of domicile at the time of your death.

What if I re-enlist in the uniformed services?

If you re-enlist in the uniformed services or you become active duty you will again be covered under SGLI. You cannot have a combined amount of SGLI and VGLI coverage that exceeds the legislated maximum of $500,000. If that is the case, please contact OSGLI to understand your coverage options.

Create a VGLI Online Account Today

  1. Visit myvgli.prudential.com
  2. Select "Create an Account"

With a VGLI Online Account you can:

  • View coverage details
  • Enroll in Auto Pay
  • Make premium payments and enroll in Paperless Billing
  • Update your contact information and beneficiary(ies)

OSGLI Contact

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