VA life insurance and coverage guides
SGLI, VGLI, VALife and Family SGLI; CHAMPVA and health coverage options; and honest guides to veteran discounts on auto, home and property protection.
Life insurance
VA Life Insurance: Every Program Explained (SGLI, VGLI, VALife, FSGLI, VMLI)
The VA offers five life insurance programs: SGLI (up to $500,000 for service members), VGLI (renewable term you convert to within 1 year and 120 days of separation), VALife (up to $40,000 guaranteed-acceptance whole life for any service-connected rating), FSGLI for spouses and children, and VMLI mortgage protection for adapted-housing grant recipients.
SGLI Coverage Guide: How Servicemembers' Group Life Insurance Works
SGLI is low-cost group term life insurance for service members, offering up to $500,000 in $50,000 increments at 5 cents per $1,000 plus $1 for TSGLI, so maximum coverage costs $26 a month.
VGLI Conversion Options: How and When to Convert SGLI to VGLI
You can convert SGLI to Veterans' Group Life Insurance (VGLI) within 1 year and 120 days of leaving the military; apply within 240 days and no health questions are asked.
Family SGLI Benefits: Life Insurance for Military Spouses and Children
Family SGLI (FSGLI) insures the spouse and dependent children of service members who have full-time SGLI.
Health coverage options
Health Insurance Options for Veterans: How VA Care Fits With Medicare, TRICARE and Private Plans
Veterans can get health coverage through VA health care (free for service-connected conditions, copays for others), TRICARE if retired, Medicare at 65, employer or Marketplace plans, and Medicaid.
CHAMPVA Benefits: Health Coverage for Families of Disabled and Deceased Veterans
CHAMPVA is VA health coverage for the spouse, dependent children, or survivors of a veteran rated permanently and totally disabled or who died from a service-connected condition, when they are not eligible for TRICARE.
Family Coverage Options for Veterans: Health, Life Insurance and Survivor Benefits Explained
Family members of veterans can qualify for CHAMPVA health coverage (if the veteran is permanently and totally disabled or died of a service-connected condition), Family SGLI life insurance while the member serves, DIC survivor payments ($1,699.36 per month base in 2026), DEA Chapter 35 education benefits, transferred GI Bill, and added dependent compensation once the veteran is rated 30% or higher.
Supplemental Coverage Options for Veterans: What VA Benefits Don't Cover and How to Fill the Gaps
Supplemental coverage for veterans fills gaps VA benefits leave: dental through the VA Dental Insurance Program (VADIP), vision, Medicare Part B and a Medigap or Part D plan for non-VA care, long-term care insurance, private disability income, and extra life insurance above VALife's $40,000 or VGLI's age-rising premiums.
Veteran discounts: auto, home and property
Veteran Car Insurance Discounts: Which Insurers Offer Them and How to Get the Most Off
Yes.
Home Insurance for Veterans: Real Discounts, Best Carriers and What a VA Loan Requires
Veterans can save on homeowners insurance mainly through USAA (members-only pricing, no-deductible uniform coverage) and Armed Forces Insurance, plus military discounts at a few carriers such as Farmers.
Property Protection Plans for Veterans: What They Are, What They Cost, and When a Home Warranty Is Worth It
A 'property protection plan' for veterans is usually a home warranty: a service contract that repairs or replaces home systems and appliances that fail from normal wear, unlike homeowners insurance which covers sudden damage.
Also relevant
- VA Health Care Coverage: What's Covered, What It Costs, and How It Works With Other Insurancein VA Health Care
- VA Benefits and Medicare: How They Work Together and Whether You Need Part Bin VA Health Care
- VA Disability Compensation Guide: Rates, Eligibility and How to Applyin Disability, Claims & Pension
- 100% VA Disability Benefits: What Total Disability Gets You in 2026in Disability, Claims & Pension