SOVEREIGNLIFE GROUP
For Those Who Served

Life Insurance for Veterans

Your SGLI covered you while you served, but it ends soon after you separate. The question every veteran faces next is simple: how do you replace it, and do you convert to VGLI or buy on the open market? The honest answer depends on your health, and I shop both sides so your family ends up with the most protection for the money.

There are no guaranteed approvals or rates here. What is available depends on your age, your health, and the carrier. As an independent broker, I compare your VA options against private carriers that treat veterans and service-connected conditions fairly, so you are never stuck with one company's view of your service.

VGLI vs. Private TermVGLI lets you keep coverage without health questions if you apply in time, but the premium climbs as you age. Many healthy veterans get more coverage for less with a level-premium term policy. A side-by-side comparison shows which wins for you.
Disabled Veterans & VALifeIf you have a service-connected disability rating, VALife offers guaranteed-acceptance whole life up to 40,000 dollars. Private carriers may add more. We compare both so a disability never leaves your family underprotected.
No Medical Exam OptionsMany veterans qualify for coverage without an exam, and others get a better rate with a quick one. The right path depends on your age, health, and coverage amount, and a short review points you to it.
PTSD & Service-Connected ConditionsPTSD and many service-connected conditions do not automatically disqualify you, and carriers treat them very differently. Placing your file with the right one is the whole job, and affordable coverage is achievable.
How Much Coverage You NeedReplace your income, clear the mortgage and debt, and cover your family's future. We size it to your household, not a one-size number, so the policy actually does its job if the worst happens.
Spouse & Family CoverageYour family's protection should not end with your service either. From a spouse policy to coverage on the kids, we build a plan that follows you into civilian life and stays affordable.
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Life insurance for veterans, honestly explained

Is VGLI or private life insurance better for veterans?It depends on your health. VGLI lets you convert SGLI without health questions if you apply in the window, which is valuable if you have health concerns. But VGLI premiums rise with age and can get expensive. Many healthy veterans get more coverage for less with a level-premium term policy that locks the rate for 20 or 30 years. The honest move is to compare both, and that is exactly what a short review does.
Can disabled veterans get life insurance?Yes. Veterans with a service-connected disability may qualify for VALife, a VA guaranteed-acceptance whole life program up to 40,000 dollars with a two-year waiting period. On the private side, some carriers underwrite service-connected conditions more fairly than others. I compare the VA options and the private carriers so you see which gives your family the most protection.
Do veterans need a medical exam?Not always. Many veterans qualify for no-exam coverage, while others get a better rate with a quick exam. The right path depends on your age, health, and coverage amount, and a short review helps decide which fits.
What is VALife?VALife is a VA program launched in 2023 for veterans with a service-connected disability rating. It offers guaranteed-acceptance whole life up to 40,000 dollars, no medical exam, with a two-year waiting period before the full benefit is payable. It can be a strong fit for service-connected disabled veterans, and it is worth comparing against private options.
Can I get life insurance with PTSD or a service-connected condition?Often yes. PTSD and many service-connected conditions do not automatically disqualify you, and carriers view them very differently. Placing your application with a carrier that treats your specific situation fairly is the whole job. There are no guaranteed rates, but shopping the right carriers usually opens better options than one company can offer.
What states do you serve?Joseph McDermott is a licensed life insurance agent serving families in 27 states, NPN 22121673, brokered through Family First Life. Coverage and pricing vary by carrier and state, and a quick review confirms what is available for you.
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Related guides and coverage

Life Insurance for Veterans (Guide)Life Insurance for First RespondersLife Insurance by OccupationTerm vs. Whole Life InsuranceHow Much Life Insurance Do You NeedNo-Exam Life Insurance Guide