Coverage that respects the realities of service.
Whether you're active-duty, separating soon, or a veteran already navigating VGLI, we help you understand your options — SGLI, VGLI conversion windows, and private coverage that can supplement or replace VA-adjacent policies. Everything explained plainly, at your pace.
Situations where this fits.
- Active-duty service members thinking beyond SGLI coverage
- Separating service members inside their VGLI conversion window
- Veterans currently on VGLI comparing costs against private coverage
- Military spouses and families building long-term protection
- Retirees stacking a private policy on top of VA-adjacent coverage
The plain-English mechanics.
- 1
We start with what you already have — SGLI, VGLI, or nothing — and where you are in your service timeline.
- 2
We shop private carriers for term or permanent coverage that fits your age, health, and goals, and compare the numbers honestly against your VA-adjacent options.
- 3
You choose the structure — VGLI only, private only, or a combination — and we handle the application and follow-through.
Strengths and trade-offs.
Every product has a shape. Here's ours — plainly.
- Independent comparison of VA-adjacent and private options — no agenda.
- Access to carriers experienced with service member and veteran underwriting.
- Coverage that isn't tied to your service status or subject to VGLI age-band premium jumps.
- Support that continues after you separate — advisors who understand the transition.
- Active-duty applicants may see hazardous-duty exclusions from some carriers; we'll help avoid those.
- VGLI conversion is a time-sensitive window; missing it can require medical underwriting later.
- Private policies don't include the specific features some veterans value in VA-adjacent coverage — the decision is about trade-offs, not a clear winner.
Marcus, transitioning to civilian life
Marcus is separating in six months after ten years of service. His SGLI ends 120 days after separation. He wants to keep meaningful coverage but doesn't love the premium curve VGLI shows in his 50s and 60s. We walk him through a 30-year private term policy — underwritten now while he's young and in shape — plus a smaller VGLI amount for flexibility. It's more coverage for less premium than VGLI alone would be at 55.
Illustrative only. Not a real client. Actual outcomes vary by carrier, health, coverage amount, and state.
Common questions about this product.
Ready to see your options?
A free quote takes about three minutes. Or book a no-pressure call and we'll walk it through together.