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Life Insurance

Veterans' Group Life Insurance (VGLI) Increase FAQs

The Veterans benefit Act of 2010 provides you with the opportunity to periodically increase your VGLI coverage by $25,000 up to the existing legislative maximum of $500,000.

Am I eligible to increase my VGLI coverage?
Can I purchase more or less than $25,000 of additional coverage?
Do I have to answer any medical questions to increase my coverage?
How do I purchase the additional VGLI coverage?
When am I eligible to enroll for the additional VGLI coverage?
Was there an increase in the amount of VGLI coverage?
Does my additional VGLI coverage stay in effect after i turn 60?
How much does the additional VGLI coverage cost?
When will my additonal VGLI coverage take effect?
Will I have another opportunity to increase my coverage?
Can I purchase additional VGLI coverage in my premium payments are late?
How much insurance do I need?
How do I create an VGLI Online Acount?
OSGLI Contact Information

Am I eligible to increase my VGLI coverage?

You can increase your VGLI coverage by $25,000 under the folllowing guidelines:

  • You must request the additional coverage during your 120-day eligibility period,
  • Your total amount of coverage cannot exceed the legislative maxium amount of $500,000, and
  • You must be under age 60.

Can I purchase more or less than $25,000 of additional coverage?

  • If your coverage is $475,000 or less, you can purchase a maxium of an additional $25,000 of VGLI coverage.  Amount less than $25,000 are not allowed if your coverage is less than $475,000.
  • If your coverage is more than $475,000, you can purchase the amount that increases your coverage to $500,000.

Do I have to answer any medical questions to increase my coverage?

You do not need to answer any medical questions to increase your VGLI coverage.

How do I purchase the additional VGLI coverage?

You can purchase the additional VGLI coverage through your VGLI Online Account, or by calling the Contact Center at 800-419-1473.

When am I eligible to enroll for the additional VGLI coverage?

  • You can find out when you are eligible by accessing your VGLI Online Account or by calling the Contact Center at 800-419-1473.
  • You will also receive a notice in advance of your next eligibility period.

    Was there an increase in the maxium amount of VGLI coverage?

    Yes, the maxium amount of VGLI increased to $500,000 effective March 1, 2023.

    Does my additional VGLI coverage stay in effect after I turn 60?

    Yes, all of your VGLI coverage remains in effect as long as the premium is paid.

    How much does the additional VGLI coverage cost?

    Your VGLI premium is based on your age and the amount of VGLI coverage you have.  Your total premium will increase based on the amount of additional coverage purchase.  You can use the online rate calculator within your VGLI Online Account, or your can refer to the VGLI online rate chart.

    When will my additional coverage take effect?

    Any coverage you purchase during the eligibility period takes effect on your following VGLI anniversary date.  Your billing statements will not reflect the cost of the additional VGLI coverage until the month it becomes effective.  Remember, if you are billed on a quarterly, semi-annual, or annual basis, you will not see your premium increase until your next bill.

    Will I have another opportunity to increase my coverage?

    Regardless of whether you purchase additional coverage now, in five years you will have another opportunity to increase your coverage without answering medical questions, as long as you are under age 60 at that time and your VGLI coverage is below the legislative maxium.

    Can I purchase additional VGLI coverage if my premium payments are late?

    Your account needs to be current with the premium paid up to date.  To check your account status, access your VGLI Online Account, or call the Contact Center at 800-419-1473.

    How much insurance do I need?

    An Online Insurance Needs Calculator is available to help you determine the amount of coverage you need.

    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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