Veterans Life Insurance (VALI)

Get immediate coverage today!

No 2-year Waiting Period

Multiple Coverage Options Available

Whole Life | Term Life | Final Expense

No Medical Exams Needed

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Trusted advisor for both veterans and civilians

National Producer License #19635553

Focused on simple, clear financial solutions

📞 Front Office: (517) 684-9517

📞 Underwriter: (517) 257-1870

MEET THE FOUNDER & CEO

Hi, I’m Josh — a licensed life insurance advisor dedicated to serving veterans and their families.

I know firsthand how confusing VA benefits can be. Many veterans assume the VA will fully cover their family’s needs, but unfortunately, that’s not always the case. My mission is to help you understand your benefits, identify the gaps, and find affordable coverage options designed to protect you and your loved ones.

With access to 40+ top-rated carriers, I can shop around to make sure you get the best plan — whether that’s immediate coverage with no waiting period, protection for pre-existing conditions, or policies that build cash value for the future.

At the end of the day, my approach is simple: no pressure, just education. I’ll walk you through your options so you can make the best decision for your family’s future.:

We'll match you with the right plan — fast, easy, and affordable.


Private plans, in contrast, offer immediate full coverage with no waiting period, providing greater peace of mind and financial security for your family. Unlike VA life insurance, there are no limitations on coverage options or amounts.


Immediate Protection

✅ Get instant coverage — N0 2-year waiting period.

✅ Higher Coverage Limits: Access coverage above $150,000.

✅ Fixed Premiums: Lock in rates for life with no surprise increases.

Build Financial Strength

✅ Cash Value Growth: Many policies build cash value you can access.

✅ Comprehensive Benefits: Coverage for accidents, illness, and family.

✅ Coverage for family members and spouse.

Freedom and Flexibility

✅ No Service Limitations: Coverage not tied to service-related conditions.

✅ Multiple Policy Options: Choose permanent, term, or final expense plans.

✅ Options for pre-existing conditions

Ready to get started?

What Burial Benefits does Veterans Affairs (VA) Pay for?

  • If the death occurs while hospitalized by the VA, it will pay a $300 burial allowance and $893 for a burial plot.

  • If the death is service-connected, the VA will pay a burial allowance of up to $2,000 and may reimburse some transportation costs of remains.

  • Limited protection, as the VA benefit is only a refund of what’s been paid into the plan, instead of a payout to cover final expenses, family support, or other needs.

  • If the death is service-connected, the VA will pay a burial allowance of up to $2,000 and may reimburse some transportation costs of remains.

  • For an indigent veteran with no next of kin, the VA will furnish either a casket or cremation urn for interment in either a national, state or tribal veterans cemetery. The Social Security Administration also will pay a death benefit of $255.

Don't worry, we can help!

STILL NOT SURE?

Frequently Asked Questions

Is VA Life Insurance the right plan for me..

Question 1: Maximum coverage

VA Life Insurance plans have required coverage limits, such as a minimum of $10,000 for burial expenses, and a maximum of $40,000.

Question 2: Two year waiting period

VA life insurance plans have a mandatory two-year waiting period — your coverage doesn't start until after the first 2 years.

Question 3: Limited Options for Family Coverage

The VA Life Insurance plans primarily focus on covering the individual veteran, with limited options for family or dependent coverage and not doesn't alternative plans options.

Question 4: Higher Premiums Compared to Private Options

VA life insurance can often have higher monthly costs than similar policies available through private insurance companies, especially for healthier veterans.

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