Transitioning from SGLI/VGLI or need coverage now? We shop top-rated carriers for you. Not affiliated with the U.S. Department of Veterans Affairs.
Which best describes you?
Get a free personalized quote in under 60 seconds. No SSN required. No obligation. No hard credit check.
A licensed agent will call or text you within 5–15 minutes during business hours to walk through your options.
We keep it simple so you don’t have to. Rates are based on your current age and health, so locking in sooner usually means better options.
ZIP, age, coverage, and contact preferences.
We shop top-rated carriers for veterans & families.
Get help picking a plan that fits your budget.
Simplified issue for qualifying ages & amounts.
Many decisions in days, not weeks.
We understand SGLI/VGLI transitions.
Protect spouses and dependents too.
| Feature | VGLI | Private (through VeteransCoverage) |
|---|---|---|
| Eligibility | Separated servicemembers (time-limited) | General public (health & underwriting apply) |
| Rates | Age-banded, may increase over time | Term or whole; shop multiple carriers |
| Medical exam | Often none if converting timely | Varies; many no-exam options |
| Portability | Yes | Yes |
This is educational, not a rate guarantee. Product availability and eligibility vary by state and carrier.
Get my comparison“Filled out the form, got a call in minutes, and switching from VGLI saved me money.”
“Straight talk, fast help, no pressure at all.”
“Got coverage for my spouse in one quick call.”
Carriers price mainly on age, coverage, tobacco, and health history. Disability ratings don’t directly set premiums, but related conditions may be considered during underwriting.
Often yes. Many carriers insure applicants with well-managed mental health treatment. Underwriting varies; we help place the best fit.
Not always. Many no-exam or simplified-issue options exist based on age and amount.
A licensed agent contacts you to verify details, compare options, and help complete an application if you’re ready.
Call us at 215-480-2677 or email helpvalifeguard@gmail.com.
Business hours: Mon–Fri 9:00am–6:00pm ET