Veterans
Veterans: Why VA Life Insurance May Not Be Enough
August 22, 2025
4 min read
Veterans deserve the best—but when it comes to life insurance, VA coverage isn't always complete.
While VA life insurance (like VALife or SGLI) is a solid benefit, it may leave some important gaps.
Here's What You Might Not Realize
- No first-day coverage: Some VA plans include a 2-year waiting period
- Limited availability: VALife is only open to those with a service-connected disability rating
- Lower coverage limits: May not be enough for full funeral or family needs
Plus, many veterans are surprised to learn that VA insurance doesn't cover all burial costs. The VA offers a burial allowance, not a full policy.
What Can You Do?
You can layer private insurance with your VA benefits. This gives you:
- Faster coverage (often same-day approval)
- More control over benefit amounts
- Protection regardless of disability rating