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Tier 2 cluster

Military: SGLI, VGLI & Separation

Separation starts a 240-day clock, and most of the decisions are made after the window closes.

Written by: Advisor Name Pending

Next step

Review separation coverage

Reviewed by a licensed advisor in your state.

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SGLI-to-VGLI conversion timelines, commercial alternatives, and the underwriting consequences of missing the guaranteed window.

Decision pathway

  1. 01

    Review

    Pull an in-force illustration before anything else.

  2. 02

    Convert

    Exercise term conversion rights before they expire.

  3. 03

    Replace

    New coverage, with full replacement disclosure.

Tools for this decision

Term Conversion Deadline Lookup

Look up the recorded conversion provisions for a carrier, product series and issue year, with the official source and verification date behind each entry.

Related entities

Sources

Citations are supplied per-entity by the content engine. This template renders statutory, regulatory, academic and carrier sources in a numbered, dated reference list.

Author

AN
Advisor Name Pending

Lead Advisor & Editorial Reviewer

CLU (pending verification)
ChFC (pending verification)
NPN:
PENDING_VERIFICATION
Licensed:
Non-producing editorial role
Verified:
2026-01-01 (2026-01-01T00:00:00Z)
Editorial policyLicensing & disclosures