Whole Life & Term

Coverage thatoutlasts your service

Lock in a level rate — often less than VGLI. Answer 9 quick questions below.

VGLI premiums climb every five years. Private whole life and term policies lock in a level rate — often for less — so your family keeps the mortgage, the income, and the dignity of a fully covered final expense.

Get Your Free Coverage Quote

Rates from A-rated carriers, matched to your situation.

Step 1 of 9

Which best describes you?

Level premiums

Your rate never increases with age.

No-exam options

Most veterans qualify without labs.

$25k to $1M+

Right-size the benefit to your budget.

VA-friendly underwriting

Disability ratings won't disqualify you.

“VGLI was going to cost me triple by 65. Ten minutes on the phone and I had guaranteed coverage for my wife at half the price.”

— USMC veteran, age 58

Term or whole life?

Term Life

Maximum protection for the lowest cost during the years your family depends on your income. Ideal for covering a mortgage, replacing income, or getting the kids through college.

Whole Life

Coverage that never expires and builds guaranteed cash value. Ideal for final expenses, leaving a legacy, or a permanent benefit that can never be taken away.