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Protecting Those Who Served and the Families Who Stand Beside Them
Veteran life insurance provides financial security for service members and their families after military service ends. These policies help cover funeral expenses, pay off debt, replace income, or ensure long-term stability for loved ones.
Unlike civilian plans, veteran-focused life insurance often includes benefits related to service-connected disabilities, affordable group coverage, and guaranteed eligibility during the transition from active duty to civilian life.
Programs through the Department of Veterans Affairs (VA) and several private insurance companies ensure that veterans can continue coverage beyond their service years without facing inflated rates or complicated medical exams.
Eligibility depends on the type of policy you apply for. In general, you may qualify if you:
Private insurers such as USAA, Navy Mutual, and AIG also provide life insurance tailored for veterans and their families.
Here are the leading programs and companies providing trusted life insurance for veterans today.
Managed by the VA, VGLI allows veterans to convert their SGLI coverage into renewable group life insurance. You can maintain your protection for life as long as you continue paying premiums. Coverage amounts range from $10,000 to $500,000, with no medical exam required if you apply within 240 days of discharge.
VA Life replaced the former S-DVI program and offers up to $40,000 in whole life coverage for veterans with service-connected disabilities. There is no time limit to apply after becoming eligible, and acceptance is guaranteed for all who meet the criteria.
USAA provides term, whole, and universal life insurance plans designed specifically for veterans and military families. Key benefits include flexible payment options, no-war exclusions, and discounts for healthy lifestyles.
Navy Mutual offers affordable, no-fee life insurance and annuity products for veterans and their families. There are no active-duty restrictions, and policies often include accelerated benefits for terminal illness and free survivor services.
Both AIG and Prudential offer private life insurance options that serve veterans who prefer higher coverage amounts or permanent life plans. These companies often allow simplified underwriting, making it easier to qualify without extensive medical exams.
When selecting veteran life insurance, consider these key factors:
Decide whether you need term life insurance (for a set number of years) or whole life insurance (coverage that lasts your lifetime and builds cash value).
Disabled veterans should confirm that their policy covers service-related health conditions and provides adaptive benefits, such as waived premiums or additional payouts.
If you’re leaving the military, apply for VGLI within the specified time frame to avoid losing eligibility or facing higher premiums.
Ensure your coverage amount is enough to protect dependents, pay off a mortgage, or fund your children’s education.
Compare quotes from both VA-backed programs and private insurers. Some offer fixed premiums, while others provide options to adjust your coverage as your needs change.
SGLI is for active-duty service members, while VGLI is for veterans after discharge. You can convert your SGLI to VGLI to maintain coverage after leaving the military.
Yes. VA Life provides guaranteed coverage for veterans with service-connected disabilities, regardless of medical condition.
It depends on your needs. VA programs are reliable and affordable, but private insurers can offer larger coverage limits, family add-ons, and custom financial planning options.
Many private insurers, such as USAA and Navy Mutual, extend coverage options to spouses and dependents.
Life insurance is one of the most important protections a veteran can secure. It ensures your family’s stability, honors your commitment, and provides peace of mind long after service.
Whether you choose VGLI, VA Life, or a private veteran-focused provider, take time to compare options and coverage levels. The right policy will not only protect your loved ones financially but will also reflect the same dedication to responsibility and service that defined your time in uniform.