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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 premium payments?
Where do I send general correspondence or update contact information?
I chose to pay premium by deduction from retirement or disability compensation, when will deductions begin?
Will my VGLI premium ever increase?
What happens if I don't pay my premiums?
Can I change my VGLI coverage amount?
How do I change my beneficiary designation?
What id I don't name a beneficiary?
What if I re-enlist in the uniformed services?
How do I convert my VGLI coverage to an individual policy?
How do I create an online account?
What is OSGLI's contact information?

Where do I send premium payments?

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.

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.

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 premiums 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?

    • You can update your beneficiary via your VGLI Online account, or
    • You can also complete form SGLV 8721 and return it to OSGLI, or
    • You can call OSGLI at 800-419-1473 for a form to be mailed to you.

    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.

    How do I convert my VGLI coverage to an individual policy?

    Please reference our list of participating insurers for details on converting your VGLI coverage to an individual policy.

    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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