Why it matters
VA life insurance can be a strong foundation, but it may not cover a full mortgage, childcare, or long‑term income replacement. Layering coverage keeps options open for your family.
Options
Many veterans keep VA coverage and add private term insurance for higher limits. Permanent coverage can make sense if you want lifetime protection.
What's Included
- Term policies to supplement VA benefits
- Permanent coverage for lifelong protection
- Policy layering for flexible benefit use
How underwriting looks at you
Carriers review disability ratings, stability of conditions, and current treatment plans. Clear documentation and stable health trends can improve approvals.
- VA disability rating and condition stability
- Medications, treatment plans, and follow‑ups
- Time since separation and deployment history
Veteran scenario
A former Army medic kept VGLI but needed extra income protection for a new mortgage. By adding a 20‑year term policy, she closed the gap while keeping her VA coverage intact.
Trusted by families like yours
Frequently Asked Questions
Common questions about this coverage option.
Is VA life insurance enough for most families?
It can be a strong base, but many veterans add private term coverage to match mortgage and income needs.
Does a VA disability rating block approval?
Not necessarily. Carriers focus on condition stability and treatment history rather than the rating alone.
Can I keep VGLI and still buy private coverage?
Yes. You can layer a private policy to increase total coverage.
Will PTSD or anxiety automatically decline me?
No. Underwriting considers severity, treatment, and stability; many applicants are approved.
Are no‑exam options available to veterans?
Some carriers offer accelerated underwriting for qualifying applicants.
How does deployment history affect underwriting?
Carriers review recent deployment history and time since separation. Stable post‑service health helps.
Can I choose beneficiaries outside my VA policy?
Yes. Private coverage lets you name beneficiaries independently of VA benefits.
How quickly can I get a quote?
Most veterans receive preliminary quote ranges within a day of intake.
Do I need to share my DD‑214?
Not always, but some carriers may request verification of service or status.
Next steps
Share current VA coverage and your income goals
Compare term lengths and benefit amounts
Complete a short application and health review
Ready to compare rates?
Get your free, no-obligation quote today.
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Coverage Needs Estimator for Veterans
Estimate life insurance coverage for veterans using income, dependents, and debts, then compare options that layer with VA benefits and goals for families.
Try the ToolReviewed by
Alex Morgan | Licensed Life Insurance Specialist
Alex helps veterans coordinate VA benefits with private term and permanent coverage.
Last reviewed: 2026-01-02
Licensing & Disclosures
Coverage varies by carrier and underwriting. Quotes are estimates until approved.
Not available in NY.
Not available in NY.
Information only. This is not financial, legal, or tax advice.