Your $500K SGLI Expires in 120 Days: VGLI, VALife & Veteran Life Insurance - Check-Six Radio

Your SGLI coverage doesn't follow you out the door. It ends 120 days after separation, and most veterans never hear about it until it's gone. In this solo briefing on veteran life insurance, Dennis breaks down every VA life insurance option you have after the uniform comes off: the VGLI conversion window, when private term might beat VGLI, the guaranteed-acceptance policy most rated veterans have never heard of, and mortgage coverage for severely disabled vets. IN THIS EPISODE - Why your SGLI expires 120 days after you separate - TSGLI, Family SGLI, and the SGLI Disability Extension - VGLI: the 1-year-and-120-day deadline, and why day 240 matters most - VGLI vs. private term: running the comparison honestly - VALife: guaranteed whole life coverage for any service-connected rating, including 0% - VMLI: mortgage protection for Specially Adapted Housing grant recipients TACTICAL DRILL 1. Find your separation date on your DD-214 and check where you stand against the 240-day and 1-year-120-day deadlines. 2. If you have any service-connected rating, even 0%, check your VALife eligibility on VA.gov. 3. Get a VGLI rate and a private term quote, compare them side by side, and update your beneficiaries on every policy. Share this episode with one veteran who just got out — that 240-day window is the one they need to hear about. RESOURCES VA Life Insurance overview: https://www.va.gov/life-insurance/ VALife eligibility and application: https://www.va.gov/life-insurance/options-eligibility/valife/ VGLI details: https://www.va.gov/life-insurance/options-eligibility/vgli/ TSGLI: https://www.va.gov/life-insurance/options-eligibility/tsgli/ VMLI: https://www.va.gov/life-insurance/options-eligibility/vmli/ MOAA — Beyond SGLI (VGLI cost comparison): https://www.moaa.org/content/publications-and-media/news-articles/2025-news-articles/finance/beyond-sgli-do-you-have-a-life-insurance-plan-for-after-service/ VA Life Insurance Center: 800-669-8477 (TTY: 711) NEXT EPISODE Veterans Day special, dropping November 11: the consolidated season-one checklist. Every box you need to check, in one episode. Check Six Radio is a proud part of the Rad Dad Network. This episode is for educational purposes only and is not financial or insurance advice. Compare options and consult a licensed professional before making coverage decisions. #CheckSixRadio #VeteranBenefits #VGLI #VALife #SGLI #RadDadNetwork