Who We Serve
Life Insurance for Veterans and Military Families
Separating from service raises a question most people are not briefed on properly: what happens to your SGLI, and is VGLI actually your best option? For many healthy veterans it is not, and the difference over twenty years is substantial.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you know about SGLI, VGLI, and private coverage?
Three different products with three different logics.
SGLI — group coverage while on active duty, ends shortly after separation
VGLI — the conversion option after service, guaranteed acceptance if you apply within the window, but premiums increase with age in bands
Private term or permanent coverage — medically underwritten, but the premium is locked for the whole term
What should you know about When VGLI is the right answer?
If you have a service-connected condition or any health history that would make private underwriting difficult, VGLI's guaranteed acceptance is genuinely valuable. Applying within the window after separation is important — miss it and the guarantee is gone.
What should you know about When private coverage wins?
A healthy veteran in their twenties or thirties can frequently lock a 30-year level term at a rate that stays flat while VGLI premiums step up every five years. Over the full period the difference is often thousands of dollars. We will compare both honestly, including telling you when VGLI is the better deal.
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.