Separated members, is the VGLI a good life insurance after the SGLI ?

If you are of average or better health, I recommend shopping around for comparable coverage with a term policy from a reputable insurance company. Conversely, if you have medical issues, or are uninsurable, VGLI may be your best option because o proof of medical insurability is needed if elected within 240 days of separation/retirement.

As an insurance professional it would be in your best interest to talk to a couple of agents. From what I understand VGLI can get a bit expensive. I work for the Knights of Columbus. The basic rule of thumb I use is cover mortgage/utilities/groceries if the budget allows. If the budget is a bit higher I recommend about $1,000,000 in coverage for every $50,000 in income you have.

I have to figure this out too. SGLI stays effective for a few months after you retire, but I need to get a replacement. There was an Army times article a few months back with alternatives, I just need to get on the phone.