VGLI Cost Calculator
What does keeping VGLI actually cost?
Move the sliders to see your premium today, what it becomes as you age, and the long-term total most veterans never add up.
45
20406075
$400,000
$10k$250k$500k
Your VGLI premium today
$116 / mo
That's $1,392 a year, for now.
By the 70–74 band, you'd pay $860/month for this same coverage.
The staircase you're standing on
VGLI monthly premium for $400,000, at each five-year age band ahead of you.
Where you are now
What's ahead
Hold this coverage for the next 20 years and VGLI will cost you about
$52,000
$0
over 10 yrs
$0
over 20 yrs
$0
over 30 yrs
Now see what CMF would save you
A private level-term policy locks one rate for the whole term while VGLI keeps climbing. Adjust these for a closer estimate:
You
Term
Illustrative estimate for a healthy non-smoker, built from 2026 market averages — not a quote. Your real CMF rate comes from underwriting and may be lower.
CMF private term
$47/mo
Locked flat for 20 years
VGLI
$56/mo
Climbs to $200/mo by year 20
Over 20 years, choosing CMF instead of VGLI saves you about
$38,000
CMF: $0 total · VGLI: $0 total
Free Guide
The Veteran's Guide to Replacing VGLI
The full breakdown — when keeping VGLI makes sense, when private term wins, and the exact questions to ask before you switch.
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Book your free reviewPremiums use the VA's official VGLI rate table, effective July 1, 2025. va.gov
Crown Merchant Financial is an independent insurance agency. This calculator is educational information only and is not financial, tax, legal, or insurance advice, nor an offer or solicitation in any state where Crown Merchant Financial is not licensed. VGLI is administered by the U.S. Department of Veterans Affairs; rates and rules are set by the VA and subject to change. Private-policy availability and pricing depend on age, health, tobacco use, coverage amount, state, carrier, and underwriting, and are not guaranteed until a policy is approved and issued. Crown Merchant Financial is not affiliated with or endorsed by the VA or any government agency.