What they should have told you, in plain English.
Straight guides to VA life insurance, the deadlines that start the day you separate, what burial benefits actually cover, and how to spot the people lying to you about all three. Sourced to VA.gov, no sales pitch.
What the VA actually covers when a veteran dies
The VA gives your family a gravesite, a headstone, and military honors at no cost. It does not pay the funeral home. Here is exactly where the line falls.
6 articles shown
Your SGLI ends 120 days after you separate
The coverage you had on active duty ends 120 days after you separate. You have three deadlines after that, and one of them is the last day you can convert without a single health question.
7 min readGuaranteed issue and the two-year waiting period, in plain English
"Guaranteed acceptance" and "no waiting period" are not the same promise. Here is how these policies are structured, so you know which one you are actually buying.
6 min readHow to check that an agent is actually licensed in your state
You can verify any insurance agent in a few minutes using two free government-backed tools. Here is exactly how, including how to check us.
5 min readThe $25,000 VA burial benefit does not exist
There is a widely shared claim of a $25,000 VA burial benefit. It is not real. Here is what the VA actually pays, and how to spot the people using the fake number to reach you.
5 min readVALife and the two-year clause
VALife cannot turn you down, even at a 0% rating. But coverage does not start for two years. Both of those facts matter, and neither one is a catch.
8 min readVGLI vs private coverage: how to actually decide
VGLI is the right call for some veterans and the expensive call for others. The deciding factor is your health and how long you need the coverage. Here is the honest decision tree.
7 min readAmerican Family Protection is an independent insurance brokerage. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency. Products are offered through licensed agents and underwritten by third-party carriers. Coverage subject to underwriting. Not all products available in all states.