Veterans who submit their application within 240 days of discharge do not need to submit evidence of good health, while those who apply more than 240 days after discharge are required to answer questions about their health. Some medical conditions may make it difficult or even impossible to obtain private insurance.
If you have any of these conditions, you should consider purchasing VGLI.
Covered members receive 120 days of free coverage from their date of separation.
Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.
Part-time coverage is also provided to Reserve members who do not qualify for full-time coverage (members covered part-time do not receive 120 days of free coverage).