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Veteran Coverage Q&A

1. Is VA Life Insurance Enough to Cover My Funeral?

Not usually. VA life insurance (like VA Life or VGLI) may offer coverage, but it’s limited and often comes with waiting periods. Most funerals cost between $8,000 to $12,000, and VA benefits rarely cover all expenses. Final Expense insurance helps fill this gap, giving families immediate funds to handle costs without delays.

2. Difference Between VA Life and Final Expense Insurance?

VA Life and VGLI are government-run programs with strict requirements and often waiting periods up to 2 years. Final Expense insurance, on the other hand, is private coverage tailored for veterans — no medical exam, same-day approval, and pays out quickly to your loved ones when they need it most.

3. How Much Final Expense Coverage Do I Really Need?

It depends on your goals. Most veterans choose between $10,000 and $25,000 to cover burial, cremation, and any unpaid bills or final wishes. The right amount ensures your family won’t be burdened during a difficult time.

4. Coverage If I’m Older or Have Health Conditions?

Yes. Many veterans over age 60–85 still qualify — even with existing health conditions. As long as you apply before certain age limits, there are plans designed to accept nearly all applicants.

How Much Does This Type of Insurance Cost?

It’s usually very affordable, with plans starting as low as $30–$70 per month, depending on your age, gender, and coverage amount. Rates are locked in for life and won’t increase as you get older.

What Happens If I Already Have VA Burial Benefits?

Absolutely. You’ll name a beneficiary, such as your spouse, adult child, or trusted friend, who will receive the payout directly. They can use it however needed — whether for burial expenses, unpaid bills, or leaving something behind.

Will My Family Get the Money Quickly?

Yes. Unlike VA benefits which can take weeks or months, Final Expense insurance typically pays out within days of your passing, allowing your family to cover immediate funeral costs, travel, and arrangements.

Do I Need a Medical Exam to Qualify?

No. Most veteran-focused Final Expense plans are guaranteed issue or simplified issue, meaning you won’t need a medical exam. Approval is typically based on age and a few simple health questions, with no invasive process.

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VETERAN INSURED

Discover Your Burial Benefits

Veteran Coverage Q&A

Discover Your
Burial Benefits