Immediate, day one coverage
If you qualify on health, the full benefit is in place from the day the policy starts. No waiting period, and your family can use it right away.
Subject to approval
Serving veterans in Nevada, Missouri and Tennessee
Veterans life insurance options
Veterans life insurance with day one coverage options
Free information for veterans in Nevada, Missouri and Tennessee. See which policies you may qualify for, including coverage with no waiting period.
- Day one coverage options for veterans who qualify
- Final expense, burial and funeral costs covered
- Affordable options built around a fixed income
Private life insurance offered by an independent licensed agent. Not affiliated with the VA or any government agency.
Veteran final expense
Day one coverage options
Burial and funeral protection
Guaranteed acceptance
Whole life
Term life
Mortgage protection
$0
Cost to request your information
Day one
When qualifying coverage can begin
2 years
VALife waits before paying the full benefit
3
States served: NV, MO and TN
VALife figures from the U.S. Department of Veterans Affairs. Vet Life Coverage is not affiliated with the VA.
What veterans may qualify for
Three kinds of coverage come up most often. Your free call sorts out which one fits you.
Guaranteed acceptance
No health questions and no medical exam. These policies normally hold back the full benefit for the first couple of years, so they fit when health rules other options out.
No health questionsFinal expense coverage
Sized to the funeral, burial and last bills rather than a salary, so the amount stays affordable on a fixed income.
Built for a fixed incomeWhy the waiting period matters
VALife, the VA's guaranteed acceptance policy, accepts every eligible veteran with a disability rating. It also holds back the full benefit for two years.
VALife, from the VA
Die inside the first two years and beneficiaries receive the premiums paid plus interest, not the $40,000.
Waiting period
A private policy you qualify for
The full benefit is payable from the policy's start date, for veterans who qualify on health.
Full benefit from day one
Policy starts12 months24 months
This is not a reason to drop VA coverage. Many veterans keep what they have and add a private policy alongside it. Which approach makes sense depends on your age, health and what you already hold, and that is what the call is for. VALife terms, including the $40,000 maximum and the two year waiting period, are published by the U.S. Department of Veterans Affairs.
Leave your family memories, not bills
A funeral and burial is one of the largest bills a family faces, and it arrives in the same week as the loss. Final expense coverage puts that money in their hands instead.
VA burial allowances help some families with part of the cost. They are rarely the whole of it.
What your family may face
0 of 6 planned
Funeral or memorial serviceUnplanned
Burial or cremationUnplanned
Headstone or markerUnplanned
Final medical billsUnplanned
Travel for family coming inUnplanned
Everyday household billsUnplanned
A policy pays its benefit to the people you choose, to use where it is needed most.
Planned aheadMeet Rebecca Mikes
Licensed independent life insurance agent
With three years of client-facing experience, Rebecca brings a personal, hands-on approach to life insurance. As a licensed independent agent working with multiple carriers, she and her team help veterans and their families compare their options and find coverage that fits their needs and budget.
Every call is one-on-one with a licensed agent, from the first question to the final decision.
- Free information
- No obligation
- Handled by phone
How it works
Three steps, and you stay in control the whole way.
1
Request your information
Answer the short form so our team knows your situation and how to reach you.
2
Talk it through by phone
Your service history, age, health and monthly budget decide which policies are open to you.
3
Compare and decide
Your agent lays out what you qualify for across multiple carriers. You choose what fits, or nothing at all.
Serving Nevada, Missouri and Tennessee
Everything happens by phone, so you can go through your options from home wherever you live in these three states.
Nevada
Statewide, by phone
Missouri
Statewide, by phone
Tennessee
Statewide, by phone
Common questions
Anything else on your mind? Bring it to your call.
No. Vet Life Coverage is an independent insurance agency. It is not the VA, not part of the government, and not endorsed by either. Our licensed agents help veterans compare private life insurance policies from several carriers.
It means the policy pays its full benefit from the date it starts, with no waiting period first. Not every veteran qualifies for one, since it depends on health questions and the carrier's underwriting. We check which carriers are likely to approve you before you apply anywhere.
You may not. Plenty of veterans are well covered and the honest answer on the call is to keep what you have. Two things come up often, though: VALife holds back the full benefit for two years, and its maximum is $40,000, which may not cover a funeral plus the bills that follow. A private policy can sit alongside VA coverage rather than replace it.
Often, yes. Carriers weigh age and health differently, which is the reason to compare several rather than apply to one. If health rules out the day one options, guaranteed acceptance policies ask no health questions at all, with a waiting period in exchange.
It depends on your age, health, the coverage amount and the type of policy, so an honest number only comes after a few questions. Tell us what you can comfortably spend each month and we work backwards from there.
Not for private coverage. A VA disability rating is what VALife requires, not what these carriers require. Veterans without a rating, and spouses, can be covered too.
Someone from our team calls the number you give. They ask about your age, health, service and budget, then walk you through the veteran policies you qualify for. Nothing is bought on that call and there is no obligation.
See what you qualify for
Free veterans life insurance information, with no cost and no obligation.
Not affiliated with the U.S. Department of Veterans Affairs or any government agency. Vet Life Coverage is an independent insurance agency offering private life insurance from licensed carriers. It is not the VA, is not endorsed by the VA, and this page is not a government website. Information about VA programs, including VALife's $40,000 maximum and two year waiting period, is published by the U.S. Department of Veterans Affairs and is summarized here for comparison only. Coverage, rates and availability vary by carrier, state, age and health, and all policies are subject to underwriting and approval. Immediate or day one coverage is available only to applicants who qualify. Guaranteed acceptance policies include a waiting period before the full benefit is paid. Requesting information does not obligate you to buy.