Final expense protection with no medical exam. See your real rate in about 45 seconds.
Final expense protection with no medical exam. See your real rate in about two minutes.
The VA burial allowance helps — but it doesn't cover the funeral bill.
VA figures for non-service-connected deaths on or after October 1, 2025. Funeral cost: NFDA General Price List Study. Coverage amounts and rates vary by age, health, carrier and state.
If you already have VALife or VGLI, keep it. This is built to sit alongside it.
| VALife | VGLI | This coverage | |
|---|---|---|---|
| Who can apply | Only veterans with a service-connected rating | Only veterans who had SGLI, inside the deadline | Any veteran — no rating, no deadline |
| Maximum | $40,000 | Higher, but term | Up to $50,000 |
| Waiting period | 2 years | None | Varies by option |
| Premium over time | Fixed | Rises with each age band | Fixed |
| Medical exam | None | None | None — a few health questions |
No. This is private life insurance from an A-rated carrier. The VA burial allowance is a reimbursement paid to your family after your death, and it does not cover the funeral home bill. This is separate, and it pays your beneficiary directly.
Depends on your numbers. VALife requires a service-connected rating, caps at $40,000, and makes your family wait two years before the full benefit applies. If you are inside that window, or $40,000 doesn't cover what you want, this fills the gap. If VALife already does the job, we'll tell you.
No. We're an independent, licensed insurance agency. We are not connected with or endorsed by the U.S. government, the Department of Veterans Affairs, Medicare, or Tricare.
Usually yes. Most options ask a few health questions with no medical exam, and we work with carriers that take harder cases. A rating is not an automatic decline.
It depends on the option you qualify for. Some plans pay the full benefit from day one; others have a graded period before the full amount applies. Your agent tells you exactly which one you're looking at before you decide anything.
No. Nothing is due on the call. If you decide to move forward, you choose the day your first payment comes out.