Life Insurance
Beyond SGLI
SGLI is great while you're in. But what about after? We help veterans and military families get real coverage that doesn't disappear when you hang up the uniform—at rates that won't make you wince.
Coverage That Fits Your Life
Different stages of life need different protection. Here's what we offer.
Term Life
Maximum coverage, minimum cost
Pure protection for a set period. Ideal for covering mortgage, kids' education, or income replacement during working years.
- 10, 20, or 30-year terms
- Level premiums guaranteed
- Convertible to permanent
- Coverage up to $2M+
Whole Life
Lifetime protection + cash value
Permanent coverage that builds tax-advantaged cash value over time. Great for legacy planning and guaranteed insurability.
- Lifetime coverage
- Guaranteed cash value
- Fixed premiums for life
- Dividend potential
Final Expense
Peace of mind, simplified
Smaller policies designed to cover end-of-life costs. Simplified underwriting means faster approval, even with health issues.
- No medical exam
- Guaranteed acceptance options
- Quick approval process
- $5K-$50K coverage
SGLI vs. VGLI vs. Private Insurance
The numbers don't lie. Here's how your options stack up.
| Feature | SGLI | VGLI | The Veteran Spot |
|---|---|---|---|
| Coverage Amount | $400,000 max | Same as SGLI | Up to $2M+ |
| Monthly Cost (400K) | $24/mo | $52-$400+/mo* | $20-40/mo** |
| Portable After Service | No | Yes (120 days to convert) | Yes, always |
| Rate Increases | No | Every 5 years | No (term) / No (whole) |
| Cash Value | No | No | Yes (whole life) |
| Coverage After 75 | No | Reduced/Expensive | Yes (whole life) |
* VGLI rates shown for age 35. ** Private rates vary by health; shown for healthy non-smoker.
Why Veterans Choose Us
No War Clause Exclusions
Every carrier we work with covers active duty service members with no war clause exclusions. Your job doesn't disqualify you.
Worldwide Coverage
Deployed to Germany? Stationed in Japan? TDY to who-knows-where? You're covered everywhere the mission takes you.
Fast Underwriting
Many of our carriers offer accelerated underwriting. Healthy applicants can get approved in days, not weeks.
Veteran-Owned Agencies
We partner exclusively with agencies that understand military life. No explaining what a PCS is or why you've moved 6 times.
Competitive Rates
We shop 20+ carriers to find you the best rate. Your military fitness often qualifies you for preferred rates.
Family Coverage
Spouse and dependent coverage available. Protect your whole family under one plan or separate policies.
Life Insurance FAQs
Straight answers to the questions veterans actually ask.
Still Have Questions?
Our VA loan experts are here to help. Get personalized answers and start your application today.
Your Family Deserves More Than VGLI
Lock in rates now while you're healthy. Takes 5 minutes to see what you qualify for.