Coverage Needs Estimator for Veterans
Use income replacement and debt factors to decide how much private coverage to layer on top of VA options.
Suggested Coverage
How veterans can use this tool
Start with your income replacement needs, then add debts or dependent expenses. The estimate helps you see the gap between VA benefits and full coverage goals.
Use it to plan coverage layering
Many veterans keep VA benefits and add a private term policy. This tool helps you size that private layer.
Next step
After estimating, compare term and permanent options to see what fits your budget and health profile.
Next step
Layer private coverage on top of VA benefits
Compare term and permanent options that align with your service history and goals.
Not available in NY.
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Reviewed by
Alex Morgan | Licensed Life Insurance Specialist
Alex coordinates VA benefits with private coverage strategies for veterans.
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.
Estimates only. Coverage depends on underwriting and carrier guidelines. Not available in NY.