Who We Serve
Life Insurance for Active Military
Active duty service members already have SGLI, and for many that is genuinely solid coverage. The questions worth asking are whether it is enough, what happens to it around deployment, and what your plan is for the transition out of service — because SGLI does not last past separation.
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What does SGLI cover, and where it stops?
SGLI is valuable group coverage with real limits worth knowing.
SGLI provides coverage up to a set maximum while you remain on active duty
It does not follow you automatically after separation — VGLI is the conversion option, and only within a limited window
It is a flat amount regardless of your family size, mortgage, or income
Family SGLI covers a spouse and children only at modest, fixed amounts
What should you know about Deployment and private coverage?
Most private term policies do not exclude death from deployment or combat, contrary to a persistent myth — exclusions on modern individual policies are rare. It is still worth confirming directly with any carrier before applying rather than assuming.
What should you consider when planning for separation before it happens?
The window to convert SGLI to VGLI after leaving service is limited, and VGLI premiums increase in age bands over time. Service members in good health often do better buying a private term policy while still on active duty, locking a level rate well before separation forces the decision.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
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This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.