Veterans' Group Life Insurance (VGLI) is a post-separation life insurance program that allows Soldiers to convert their Servicemember's Group Life Insurance (SGLI) coverage to renewable term insurance. Members with SGLI coverage are eligible for VGLI upon release from service. It is one of a number of low cost insurance programs developed by the Department of Veterans Affairs to provide insurance benefits for Soldiers and Veterans who may not otherwise be eligible to receive insurance benefits from private companies due to risks involved in military service, or a service connected disability. Effective 11 April 2011, Soldiers who are insured under VGLI who are under age 60 and have less than $400,000 in coverage can purchase up to $25,000 of additional coverage on each five year anniversary of their coverage, up to the maximum $400,000. There is no medical underwriting required for the additional coverage.