Built by Veterans. For Veterans.
Most agencies see "veteran" as a marketing checkbox. We see PCS orders, dual-military households, MOS files, and the actual tradeoffs between SGLI, VGLI, and civilian term. You shouldn't have to translate your service into a quote system. We do the translating.
SGLI vs VGLI vs civilian term
Three coverage paths, three completely different cost curves. Here's the honest breakdown — what each one actually costs, where it shines, and where it'll bite you.
SGLI
Active-duty group coverage
- Cheapest coverage you'll ever see
- No health questions, no exam
- Auto-enrolled at max by default
- Coverage travels with deployment
- Ends 120 days after separation
- Capped at $500k
- Not portable to civilian life
VGLI
Default pathPost-separation conversion
- No medical exam if you convert within 240 days
- Useful safety net if you have rated conditions
- Can be increased every 5 years up to SGLI amount
- Premiums climb with age — fast
- Often more expensive than civilian term for healthy vets
- Not level — your bill keeps growing
Civilian Term
Private market
- Lower lifetime cost for most healthy vets
- Level rates locked for 20-30 years
- Coverage amounts up to $1M+ available
- Portable — no service connection required
- Medical underwriting required
- Some MOS history can affect rates
- Carrier choice matters — some are vet-friendly, some aren't
Critical deadlines for separating service members
Miss these windows and your options shrink. The earlier you move, the more leverage you keep — and the cheaper your long-term coverage gets.
- Day 0
Separation
SGLI continues for 120 days at no cost. Use this window — don't sit on it. Start shopping civilian term now while your coverage is still in force.
- Day 120
SGLI ends
Your free extension runs out. If you haven't converted to VGLI yet, you've still got a window — but the clock is now ticking on the no-medical guarantee.
- Day 240
VGLI no-medical deadline
Last chance to convert SGLI to VGLI without health questions. Miss this and you'll need a medical exam to qualify — same as civilian underwriting.
- 1 year out
Best window to lock civilian rates
If you're still active and know your separation date, this is the sweet spot. You're younger, your records are accessible, and a 20-30 year level rate locks now.
Special situations
The stuff a generic agent will fumble. Here's how it actually works.
VA disability ratings & private coverage
A disability rating doesn't auto-disqualify you. Carriers underwrite the underlying conditions, not the rating itself. Some MOS-related conditions — tinnitus, joint issues, mild hearing loss — still get standard rates with the right carrier.
PTSD, depression, sleep apnea
Treated and stable conditions can still qualify. CPAP compliance helps. Documented therapy and stable meds help. We know which carriers read the file fairly and which ones reflexively rate up — it's not a guessing game.
Combat-zone deployment
Some carriers exclude active combat zones; others honor coverage worldwide. Lock in before deployment when possible — once orders drop, your options narrow. If you're already downrange, we'll find the carriers that won't blink.
Survivor benefits stacking
DIC, SBP, and private coverage each fill a different gap. DIC is service-connected and tax-free but capped. SBP is a pension annuity, not a lump sum. Private term gives your family liquid capital. We size each so nothing overlaps wastefully.
Generic insurance advice fails military families.
A typical agent prices a 35-year-old engineer the same as a 35-year-old infantry E-7 who's done four rotations. The math is wrong on both ends. PCS moves break state-specific products. Dual-military households need joint planning that accounts for both careers and both pensions. Deployment timing changes which carriers will even bind coverage. None of this shows up in a 30-second online quote.
MOS-specific risk matters too — not because we think your service is dangerous, but because underwriters do, and they reach for outdated tables. Knowing which carriers have updated their veteran underwriting in the last five years is the whole game. Pick the wrong carrier and your rate doubles. Pick the right one and you walk out paying less than a teacher.
We won't waste your time with platitudes. We'll tell you when SGLI is enough, when VGLI is the right call, and when you're leaving real money on the table by not shopping civilian. Then we'll do the shopping.
Talk to a veteran-owned agency that gets it.
No pressure, no scripts. We'll look at your situation, your timeline, and your numbers, then tell you the truth about what coverage you actually need.