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Warrior Insure

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VGLI cost calculator

VGLI is repriced every five years. This shows what your coverage costs now, what it costs in each band ahead, and where a private quote would overtake it. Nothing you type leaves your browser.

Your coverage
Compare with a private quote (optional)

Use a real quote for the same coverage amount. A level-premium term policy keeps that rate for the whole term.

What you pay now

Age band 45–49

Per month
$0.00
Per year
$0.00
Total to age 70
$0

What it costs as you age

Same coverage throughout. Only the age band changes.

VGLI cost by age band
Age bandMonthlyPer yearPaid to date

Before you act on this

  • Price is not the only factor. VGLI asks nothing about your health inside 240 days of separation. A private policy requires underwriting, and a service-connected condition can raise the price or close the door.
  • A quote is not a policy. Never reduce or cancel VGLI until the replacement is issued and in force.
  • VGLI does not expire. Term insurance does, and renewing after it ends is expensive.
  • You can build cover back up. If you took less than $500,000, you can add $25,000 at your one-year VGLI anniversary and every five years after that, provided you are under 60 on that anniversary date. The window to apply is the 120 days before each anniversary, and the VA writes to you beforehand. These dates follow your coverage anniversary, not your birthday.
  • The premium holiday. The VA has announced no VGLI premiums for November 2026 through January 2027. This calculator ignores it, so treat the totals as slightly high for that period.

Educational estimate only, not a quote and not insurance advice. VGLI rates are the VA's published rates effective July 1, 2025. Confirm current rates with the VA before acting.