Do You Have VGLI?

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Veterans Group Life Insurance (VGLI) is a great option for those service members separating or retiring who cannot medically qualify for a regular life insurance policy. You are guaranteed to be able to convert your SGLI to VGLI if you do it within their time frame, without medical underwriting. 

HOWEVER, if you can medically qualify, there IS a better alternative than VGLI -- AAFMAA. Our Level Term II policy can save you thousands of dollars in premiums over the life of the policy. Go to the Get a Quote section of AAFMAA's website at and compare our Level Term II policy to VGLI. Select the amount of years you desire the Level Term II policy and your results will pop right up.

When you get your quote, you will also see the first two VGLI rate groups for your age. Remember, VGLI premiums increase every five years according to age; Level Term II premiums remain the same for the entire term. As an example, below are premiums for a $400,000 10-Year Level Term II policy for a 45-year-old male.

Level Term II Rate Category

AAFMAA Monthly Premium

Total cost for 10 Year Term

VGLI Total Cost for 10 Years ($88/mo age 45-49                    $144/mo age 50-54)*


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Monthly premiums are used to calculate total cost for the 10 year term. Even at AAFMAA's Standard rate, the SAVINGS over VGLI in this 10 year example equals $8,808!

If you have VGLI, and can medically qualify, you owe it yourself and your family to consider AAFMAA's Level Term II policy.

Call a Membership Coordinator TODAY toll-free at 1-877-398-2263 for more information or visit Level Term II policies can be issued up through age 75 for members and spouses and can last until age 85.


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