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VGLI Premium Discount
Premium discount will be effective July 1, 2025.
Age Brackets Under 55
Age Brackets 55 and Over
Age Brackets Under 55
| Coverage Amount | Under Age 30 | Ages 30 to 34 | Ages 35 to 39 | Ages 40 to 44 | Ages 45 to 49 | Ages 50 to 54 |
| $500,000 | $30.00 | $40.00 | $50.00 | $70.00 | $95.00 | $145.00 |
| $490,000 | $29.40 | $39.20 | $49.00 | $68.60 | $93.10 | $142.10 |
| $480,000 | $28.80 | $38.40 | $48.00 | $67.20 | $91.20 | $139.20 |
| $470,000 | $28.20 | $37.60 | $47.00 | $65.80 | $89.30 | $136.30 |
| $460,000 | $27.60 | $36.80 | $46.00 | $64.40 | $87.40 | $133.40 |
| $450,000 | $27.00 | $36.00 | $45.00 | $63.00 | $85.50 | $130.50 |
| $440,000 | $26.40 | $35.20 | $44.00 | $61.60 | $83.60 | $127.60 |
| $430,000 | $25.80 | $34.40 | $43.00 | $60.20 | $81.70 | $124.70 |
| $420,000 | $25.20 | $33.60 | $42.00 | $58.80 | $79.80 | $121.80 |
| $410,000 | $24.60 | $32.80 | $41.00 | $57.40 | $77.90 | $118.90 |
| $400,000 | $24.00 | $32.00 | $40.00 | $56.00 | $76.00 | $116.00 |
| $390,000 | $23.40 | $31.20 | $39.00 | $54.60 | $74.10 | $113.10 |
| $380,000 | $22.80 | $30.40 | $38.00 | $53.20 | $72.20 | $110.20 |
| $370,000 | $22.20 | $29.60 | $37.00 | $51.80 | $70.30 | $107.30 |
| $360,000 | $21.60 | $28.80 | $36.00 | $50.40 | $68.40 | $104.40 |
| $350,000 | $21.00 | $28.00 | $35.00 | $49.00 | $66.50 | $101.50 |
| $340,000 | $20.40 | $27.20 | $34.00 | $47.60 | $64.60 | $98.60 |
| $330,000 | $19.80 | $26.40 | $33.00 | $46.20 | $62.70 | $95.70 |
| $320,000 | $19.20 | $25.60 | $32.00 | $44.80 | $60.80 | $92.80 |
| $310,000 | $18.60 | $24.80 | $31.00 | $43.40 | $58.90 | $89.90 |
| $300,000 | $18.00 | $24.00 | $30.00 | $42.00 | $57.00 | $87.00 |
| $290,000 | $17.40 | $23.20 | $29.00 | $40.60 | $55.10 | $84.10 |
| $280,000 | $16.80 | $22.40 | $28.00 | $39.20 | $53.20 | $81.20 |
| $270,000 | $16.20 | $21.60 | $27.00 | $37.80 | $51.30 | $78.30 |
| $260,000 | $15.60 | $20.80 | $26.00 | $36.40 | $49.40 | $75.40 |
| $250,000 | $15.00 | $20.00 | $25.00 | $35.00 | $47.50 | $72.50 |
| $240,000 | $14.40 | $19.20 | $24.00 | $33.60 | $45.60 | $69.60 |
| $230,000 | $13.80 | $18.40 | $23.00 | $32.20 | $43.70 | $66.70 |
| $220,000 | $13.20 | $17.60 | $22.00 | $30.80 | $41.80 | $63.80 |
| $210,000 | $12.60 | $16.80 | $21.00 | $29.40 | $39.90 | $60.90 |
| $200,000 | $12.00 | $16.00 | $20.00 | $28.00 | $38.00 | $58.00 |
| $190,000 | $11.40 | $15.20 | $19.00 | $26.60 | $36.10 | $55.10 |
| $180,000 | $10.80 | $14.40 | $18.00 | $25.20 | $34.20 | $52.20 |
| $170,000 | $10.20 | $13.60 | $17.00 | $23.80 | $32.30 | $49.30 |
| $160,000 | $9.60 | $12.80 | $16.00 | $22.40 | $30.40 | $46.40 |
| $150,000 | $9.00 | $12.00 | $15.00 | $21.00 | $28.50 | $43.50 |
| $140,000 | $8.40 | $11.20 | $14.00 | $19.60 | $26.60 | $40.60 |
| $130,000 | $7.80 | $10.40 | $13.00 | $18.20 | $24.70 | $37.70 |
| $120,000 | $7.20 | $9.60 | $12.00 | $16.80 | $22.80 | $34.80 |
| $110,000 | $6.60 | $8.80 | $11.00 | $15.40 | $20.90 | $31.90 |
| $100,000 | $6.00 | $8.00 | $10.00 | $14.00 | $19.00 | $29.00 |
| $90,000 | $5.40 | $7.20 | $9.00 | $12.60 | $17.10 | $26.10 |
| $80,000 | $4.80 | $6.40 | $8.00 | $11.20 | $15.20 | $23.20 |
| $70,000 | $4.20 | $5.60 | $7.00 | $9.80 | $13.30 | $20.30 |
| $60,000 | $3.60 | $4.80 | $6.00 | $8.40 | $11.40 | $17.40 |
| $50,000 | $3.00 | $4.00 | $5.00 | $7.00 | $9.50 | $14.50 |
| $40,000 | $2.40 | $3.20 | $4.00 | $5.60 | $7.60 | $11.60 |
| $30,000 | $1.80 | $2.40 | $3.00 | $4.20 | $5.70 | $8.70 |
| $20,000 | $1.20 | $1.60 | $2.00 | $2.80 | $3.80 | $5.80 |
| $10,000 | $0.60 | $0.80 | $1.00 | $1.40 | $1.90 | $2.90 |
Age Brackets 55 and Over
| Coverage Amount | Ages 55 to 59 | Ages 60 to 64 | Ages 65 to 69 | Ages 70 to 74 | Ages 75 to 79 | Ages 80 and over |
| $500,000 | $250.00 | $425.00 | $690.00 | $1,075.00 | $1,925.00 | $2,200.00 |
| $490,000 | $245.00 | $416.50 | $676.20 | $1,053.50 | $1,886.50 | $2,156.00 |
| $480,000 | $240.00 | $408.00 | $662.40 | $1,032.00 | $1,848.00 | $2,112.00 |
| $470,000 | $235.00 | $399.50 | $648.60 | $1,010.50 | $1,809.50 | $2,068.00 |
| $460,000 | $230.00 | $391.00 | $634.80 | $989.00 | $1,771.00 | $2,024.00 |
| $450,000 | $225.00 | $382.50 | $621.00 | $967.50 | $1,732.50 | $1,980.00 |
| $440,000 | $220.00 | $374.00 | $607.20 | $946.00 | $1,694.00 | $1,936.00 |
| $430,000 | $215.00 | $365.50 | $593.40 | $924.50 | $1,655.50 | $1,892.00 |
| $420,000 | $210.00 | $357.00 | $579.60 | $903.00 | $1,617.00 | $1,848.00 |
| $410,000 | $205.00 | $348.50 | $565.80 | $881.50 | $1,578.50 | $1,804.00 |
| $400,000 | $200.00 | $340.00 | $552.00 | $860.00 | $1,540.00 | $1,760.00 |
| $390,000 | $195.00 | $331.50 | $538.20 | $838.50 | $1,501.50 | $1,716.00 |
| $380,000 | $190.00 | $323.00 | $524.40 | $817.00 | $1,463.00 | $1,672.00 |
| $370,000 | $185.00 | $314.50 | $510.60 | $795.50 | $1,424.50 | $1,628.00 |
| $360,000 | $180.00 | $306.00 | $496.80 | $774.00 | $1,386.00 | $1,584.00 |
| $350,000 | $175.00 | $297.50 | $483.00 | $752.50 | $1,347.50 | $1,540.00 |
| $340,000 | $170.00 | $289.00 | $469.20 | $731.00 | $1,309.00 | $1,496.00 |
| $330,000 | $165.00 | $280.50 | $455.40 | $709.50 | $1,270.50 | $1,452.00 |
| $320,000 | $160.00 | $272.00 | $441.60 | $688.00 | $1,232.00 | $1,408.00 |
| $310,000 | $155.00 | $263.50 | $427.80 | $666.50 | $1,193.50 | $1,364.00 |
| $300,000 | $150.00 | $255.00 | $414.00 | $645.00 | $1,155.00 | $1,320.00 |
| $290,000 | $145.00 | $246.50 | $400.20 | $623.50 | $1,116.50 | $1,276.00 |
| $280,000 | $140.00 | $238.00 | $386.40 | $602.00 | $1,078.00 | $1,232.00 |
| $270,000 | $135.00 | $229.50 | $372.60 | $580.50 | $1,039.50 | $1,188.00 |
| $260,000 | $130.00 | $221.00 | $358.80 | $559.00 | $1,001.00 | $1,144.00 |
| $250,000 | $125.00 | $212.50 | $345.00 | $537.50 | $962.50 | $1,100.00 |
| $240,000 | $120.00 | $204.00 | $331.20 | $516.00 | $924.00 | $1,056.00 |
| $230,000 | $115.00 | $195.50 | $317.40 | $494.50 | $885.50 | $1,012.00 |
| $220,000 | $110.00 | $187.00 | $303.60 | $473.00 | $847.00 | $968.00 |
| $210,000 | $105.00 | $178.50 | $289.80 | $451.50 | $808.50 | $924.00 |
| $200,000 | $100.00 | $170.00 | $276.00 | $430.00 | $770.00 | $880.00 |
| $190,000 | $95.00 | $161.50 | $262.20 | $408.50 | $731.50 | $836.00 |
| $180,000 | $90.00 | $153.00 | $248.40 | $387.00 | $693.00 | $792.00 |
| $170,000 | $85.00 | $144.50 | $234.60 | $365.50 | $654.50 | $748.00 |
| $160,000 | $80.00 | $136.00 | $220.80 | $344.00 | $616.00 | $704.00 |
| $150,000 | $75.00 | $127.50 | $207.00 | $322.50 | $577.50 | $660.00 |
| $140,000 | $70.00 | $119.00 | $193.20 | $301.00 | $539.00 | $616.00 |
| $130,000 | $65.00 | $110.50 | $179.40 | $279.50 | $500.50 | $572.00 |
| $120,000 | $60.00 | $102.00 | $165.60 | $258.00 | $462.00 | $528.00 |
| $110,000 | $55.00 | $93.50 | $151.80 | $236.50 | $423.50 | $484.00 |
| $100,000 | $50.00 | $85.00 | $138.00 | $215.00 | $385.00 | $440.00 |
| $90,000 | $45.00 | $76.50 | $124.20 | $193.50 | $346.50 | $396.00 |
| $80,000 | $40.00 | $68.00 | $110.40 | $172.00 | $308.00 | $352.00 |
| $70,000 | $35.00 | $59.50 | $96.60 | $150.50 | $269.50 | $308.00 |
| $60,000 | $30.00 | $51.00 | $82.80 | $129.00 | $231.00 | $264.00 |
| $50,000 | $25.00 | $42.50 | $69.00 | $107.50 | $192.50 | $220.00 |
| $40,000 | $20.00 | $34.00 | $55.20 | $86.00 | $154.00 | $176.00 |
| $30,000 | $15.00 | $25.50 | $41.40 | $64.50 | $115.50 | $132.00 |
| $20,000 | $10.00 | $17.00 | $27.60 | $43.00 | $77.00 | $88.00 |
| $10,000 | $5.00 | $8.50 | $13.80 | $21.50 | $38.50 | $44.00 |
