You protected our country. Let's protect your family.
SGLI ends when you leave the military, and VA options have limits. We help veterans compare VGLI and VALife side by side with private coverage, so your family keeps the protection they count on.
- ✓Free review of your SGLI, VGLI or VALife coverage
- ✓Level premiums that won't rise every five years
- ✓Living benefits for critical, chronic & terminal illness
- ✓Options for veterans with a VA disability rating
Get a veteran coverage review
Free, no obligation. Takes about 60 seconds.
VA coverage vs. private coverage
Many veterans keep their VA coverage and add to it. Here's how the main options compare.
| SGLI | VGLI | VALife | Private coverage through us | |
|---|---|---|---|---|
| Who it's for | Active duty, Guard & Reserve | Veterans leaving SGLI coverage | Veterans with a service-connected disability rating (including 0%), age 80 or younger | Veterans, spouses and families |
| Coverage amount | Up to $500,000 | $10,000–$500,000 (starting amount can't exceed your SGLI) | Up to $40,000 | Often well beyond $500,000 |
| Health questions | None | None if you apply within 240 days of separation | None (guaranteed acceptance) | Varies; many no-exam options |
| Premiums | Low group rate | Rise as you enter each new 5-year age band | Level for life | Locked in for your term or for life |
| Waiting period | None | None | Full benefit after 2 years | Usually none on fully underwritten plans |
| When it ends | 120 days after you separate | Lifetime, if premiums are paid | Lifetime | End of term, or lifetime on permanent plans |
VA program details summarized from VA.gov and subject to change. See VA.gov/life-insurance for official information.
VGLI is a great safety net. It's not always the best long-term value.
VGLI rates are the same for everyone at a given age, regardless of health or tobacco use. That helps if you have health conditions. If you're healthy, private coverage may cost less, and the price stays locked as you age.
$40 → $425 a month
VA's published monthly rate for $500,000 of VGLI at ages 30–34, compared with ages 60–64 (rates as of July 1, 2025).
Up to $40,000
Guaranteed acceptance for eligible veterans, but full coverage starts only after a 2-year waiting period.
Locked rates + living benefits
Level premiums plus riders that can pay you after a qualifying critical, chronic or terminal illness.
Coverage for every stage after service
Recently separated
You have 240 days to get VGLI with no health questions. We'll help you compare before that window closes so you don't lose options.
Veterans with VGLI
Paying more each time you hit a new age band? We'll show you whether a private plan could lock in a lower rate.
Veterans with a VA rating
A disability rating doesn't automatically rule you out. Carriers view conditions differently, and shopping the market is how we find the best fit.
Veteran homeowners
Using a VA loan? Mortgage protection can make sure your family keeps the home if something happens to you.
Military spouses & families
Spouse coverage under SGLI is limited. We help spouses get coverage of their own that stays in place no matter what.
Older veterans
Final expense coverage with no medical exam can cover funeral costs, with level premiums that never increase.
How we help veterans
Review what you have
We look at your SGLI, VGLI, VALife or other coverage and what your family would actually need.
Compare side by side
We put your VA options next to private plans from top-rated carriers, with real numbers.
Choose with confidence
Keep what works, add what's missing. No pressure, and everything is handled by phone.
Veterans life insurance FAQ
Can I keep VGLI and buy private coverage too?
Yes. Many veterans keep VGLI or VALife and add private coverage on top. We'll help you decide what combination makes sense for your budget and goals.
How long do I have to sign up for VGLI?
You can apply within 1 year and 120 days after leaving service. If you apply within 240 days, there's no health review. After that, you'll need to show you're in good health.
Will my VA disability rating affect private coverage?
It can, depending on the condition. Every carrier underwrites differently, and some offer simplified or no-exam plans. Shopping multiple carriers is how we find the best option for you.
What is VALife?
VALife is VA's guaranteed-acceptance whole life insurance for veterans with a service-connected disability rating. It offers up to $40,000 of coverage, with the full benefit starting after a 2-year waiting period.
Do you work for the VA?
No. We're an independent insurance agency and aren't affiliated with or endorsed by the VA or any government agency. We help you understand your VA options and compare them with private coverage.
Thank you for your service. Let's make sure your family is covered.
A free review of your VA and private options takes about 15 minutes by phone.