myvgli.prudential.com

November 18, 2025

What is “myvgli.prudential.com”

This is the online portal for the Veterans’ Group Life Insurance (VGLI) program, which is run through the Office of Servicemembers’ Group Life Insurance (OSGLI) and Prudential. (Benefits)

VGLI is a life-insurance option available to certain U.S. military veterans (and other covered individuals) who had coverage while serving and want to continue life insurance after service. (Veterans Affairs)

The portal allows users to manage their VGLI coverage—see their policy details, pay premiums, update contact or beneficiary info, etc. (Benefits)

Key features of the portal

Some of the main functionalities you’ll find:

Create an online account via “Create an Account” on myvgli.prudential.com to handle your policy. (Benefits)
View coverage details (how much you’re insured for under VGLI). (Benefits)
Make premium payments online, enroll in AutoPay or paperless billing. (Benefits)
Update contact information and beneficiaries. (Benefits)
Increase your coverage (subject to eligibility) via the portal or phone. (Benefits)

Eligibility and coverage details

Here are some important facts you should know:

To be eligible for VGLI you must meet certain conditions: you had coverage under the Servicemembers’ Group Life Insurance (SGLI) while on active duty (or in other specified status), and you’re within 1 year and 120 days of separation from service in many cases. (Veterans Affairs)
Coverage amount: You can have coverage from $10,000 up to $500,000 (as of March 1, 2023, the max was increased). (Benefits)
Premiums depend on your age and amount of coverage. As you age, premiums go up. (Veterans Affairs)
To increase your coverage by $25,000 (if under certain limits) you don’t need a medical exam—if you meet the conditions. (Benefits)

How to use the site effectively

If you have VGLI or are thinking about it, using the portal well matters.

First: create your online account as soon as you can. The older the policy or the less you use paper-billing, the more likely you might miss something.
Once logged in, check your coverage amount, see how much you’re paying and when your next premium is due.
Enable AutoPay if you can — it avoids missing payments. If you miss payments the policy could lapse. (Benefits)
Update your beneficiary and contact details while logged in. If someone passes away or moves, you don’t want your payout going through delays or confusion.
If you’re eligible for a coverage increase and you’re under age 60 (assuming you meet other conditions), go through the portal and evaluate whether an extra $25k (or whatever you’re eligible for) makes sense. (Benefits)
Keep your login info secure. Because it deals with your insurance coverage and personal information, you’ll want to use strong passwords and perhaps change them periodically.

Things to watch out for / limitations

There are a few caveats and potential issues:

Even though you may be eligible for coverage, if you delay too long beyond the eligibility window you may need to show proof of health. For example: if you apply after the 240‐day period post separation, health evidence may be required. (Veterans Affairs)
Premiums increase with age. While it may seem stable now, over decades your cost can go up significantly.
The website is for managing the insurance. It may not cover every scenario (e.g., deep custom policy changes) and you still might need to contact OSGLI directly for unique or complex issues.
If your payments are overdue the policy may be cancelled. You’ll want to keep a close eye on payment status. (Benefits)
For any claims (death benefit, etc), there are forms and procedures. The portal is helpful but not always a guarantee of instant settlement; delays and denials can happen. (McKennon Law)

Why it matters

If you’re a veteran or former service member with SGLI history, this portal gives you continuity of coverage into civilian life. Having a streamlined online access point means you’re less dependent on paper mail, you’re in better control of your info, and you have more visibility. Mistakes or lapses can cost dearly — in terms of lost coverage or lost benefits for your beneficiaries.

Key takeaways

The site myvgli.prudential.com is a dedicated online portal for managing VGLI life insurance coverage.
It offers account creation, premium payments, beneficiary updates, and coverage increases.
Important to act in the eligibility windows, keep payments up to date, update personal info, and monitor premiums.
Premiums go up with age; you’ll want to evaluate whether your coverage still meets your needs over time.
The portal simplifies admin, but you still might need to contact OSGLI or Prudential for complex issues or claims.

FAQ

Q: How do I register for the online account?
A: Go to myvgli.prudential.com and select “Create an Account”. From there follow the prompts (you’ll likely need your Control Number and policy details). (Benefits)

Q: Can I change my beneficiary online?
A: Yes — you can update your beneficiary information once logged into your VGLI Online Account. (Benefits)

Q: What happens if I stop paying premiums?
A: If you don’t pay your VGLI premiums on time, your coverage can be cancelled. (Benefits)

Q: Am I eligible to increase my coverage later?
A: Yes—if under age 60, and depending on other conditions, you can increase your coverage by up to $25,000 (or up to the $500,000 max) without proof of health. (Benefits)

Q: Are premiums fixed for life?
A: No — premiums depend on your age and amount of coverage, so they can increase. (Veterans Affairs)