For veterans, service members and their families

Veterans: See What Your Family Is Actually Covered For.

SGLI ended 120 days after separation. VA Life caps at $40,000 and makes your family wait two years for the full amount. In 60 seconds, find out where you stand and compare private life insurance options from a licensed independent agent.

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A veteran reviewing his coverage at the kitchen table
Most veterans never got the memo.SGLI ends 120 days after separation. Here's what's left, and what else is out there.
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency. Coverage for Service is a private company. This is private life insurance offered by licensed independent agents. Coverage is subject to underwriting and your answers to health questions.
One call, every option

Compare options from leading carriers.

Your agent isn't tied to one company. They pull quotes from multiple A-rated insurers across these policy types and show you the VA option next to them, so you pick with the whole picture.

Term life
Whole life
Final expense
No-exam plans
Mortgage protection
VA Life & VGLI, for comparison
Your coverage timeline

What the VA actually provides, and when it stops.

Most veterans don't find out how their coverage changed until a family member goes looking for it. Here is the sequence.

1
Separation day

SGLI is still active

Your service coverage, up to $500,000, stays in force for 120 days after you leave. Nothing changes yet, which is why it's easy to miss.

2
Day 120

SGLI ends

Unless you converted to VGLI, you have no military-provided life insurance from this day forward. You can still apply for VGLI without health questions for 240 days total.

3
Day 485 (1 year 120 days)

The VGLI window closes

After this, VGLI is no longer available. VGLI premiums also rise with every five-year age band for as long as you keep it.

4
Today

What's left: VA Life

Available to veterans with a service-connected disability rating of 0 to 100 percent, ages 80 and under. Capped at $40,000, with a two-year waiting period before the full benefit is paid.

The $40,000 ceiling

VA Life's maximum is $40,000. If you pass away during the two-year wait, your beneficiary receives the premiums you paid plus interest (4.23% for 2026), not the face amount. A private policy can have a face amount you choose, a fixed premium, and no waiting period on many plans, subject to underwriting and health questions.

Source: VA.gov SGLI, VGLI and VALife program pages, checked October 16, 2026. Program rules and limits change; confirm current figures at VA.gov.

The real numbers

What VA Life's two-year wait could cost your family.

Slide to your age and pick a coverage amount. VA Life charges premiums during the waiting period, but pays only premiums plus interest if you die before it ends.

Your age50
Premiums paid over the 2-year wait
$0
VA Life monthly premium at this age and amount

VA Life rates are set by age at application and stay level. Figures above use the VALife monthly premium table published at VA.gov, checked October 16, 2026, and are for comparison only. Private policy rates depend on the insurer, your health and your state, and are not shown here.

A veteran and his spouse on their porch
For the people who waited

One call. Every option. No pressure.

You'll talk to one licensed agent who works with veterans every day. They'll show you what the VA provides, what private coverage costs at your age, and tell you plainly if it doesn't make sense for you.

Where we come in

An independent comparison, not just the VA.

A licensed agent lays VA Life, VGLI and private options side by side, so you see everything, not one choice.

Real quotes, compared

Multiple carriers against the VA option, with the numbers in front of you.

No waiting period on many plans

Full coverage can begin on day one of the policy, subject to underwriting.

No cost. No obligation.

The quote and the call are free. If private coverage doesn't fit, your agent will say so.

Coverage check

See your options in about 60 seconds.

Step 1 of 8No health questions here
What is your military status?
Which branch?
How old are you?
What coverage do you have today?
What state do you live in?
Where do we send your options?

Tap "Text me a code" and we'll send a one-time code to this number so we know it's yours. One message, no marketing. Standard message and data rates may apply. Terms · Privacy Policy

Enter the 6-digit code we texted you

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Last step: how we reach you

By checking this box and tapping "Get my options," I give my express written consent for Payload Leads LLC (d/b/a Coverage for Service) and Niewiadomski LLC to call and text me at the number I provided about life insurance, including by automatic telephone dialing system, prerecorded or artificial voice, and AI voice, even if my number is on a federal, state or company Do Not Call list. Consent is not a condition of purchase. My information may be shared with the agencies named above, including after 30 days.

You can revoke consent at any time by any reasonable means. See our Privacy Policy and Terms. Your information is used to provide the quote you requested; see the Privacy Policy for how it may be shared with the named agents.

Roger that, .

A licensed agent will call you from the number below, usually within a few minutes during business hours. Save it so you know it's us.

815-325-9786
Questions

Straight answers.

Is this a VA program?

No. Coverage for Service (Payload Leads LLC) and the agents it works with are private companies. We are not affiliated with, endorsed by, or acting on behalf of the Department of Veterans Affairs or any government agency.

Why do you text me a code?

So we know the number is yours and that you asked for this. It's one message with a code, nothing else. Marketing texts are separate and only if you opt in.

Does it cost anything?

No. The quote and the call are free. If you buy a policy, the insurance company pays the agent a commission; you don't pay extra.

Is there a medical exam?

Many plans have no exam, but approval still depends on your answers to health questions and the insurer's underwriting. We'll tell you which plans fit before you apply.

Who will call me?

A licensed agent from the Coverage for Service network, from 815-325-9786, during normal hours in your time zone. They'll give you their name and license up front. If you don't pick up, we'll try a couple more times and then stop unless you ask us to call back.

I'm still on active duty. Does this apply to me?

You still have SGLI, so there's less urgency, but some people start private coverage before separation so it's in place on day one out. Different rules apply to active-duty members; the agent will cover them.

What happens to my information?

It's used to prepare your quote and shared only with the licensed agency named in the consent on this form. We don't sell it to anyone else. See the Privacy Policy.

Ready to see your real options?

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