Most veterans are underinsured and don't know it. Here's what nobody tells you.
Important: The Patient Agent is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency. Information provided is for educational purposes only.
Veterans' Group Life Insurance (VGLI) premiums increase every 5 years. By age 60, many veterans are paying $200–$400 per month for coverage they could replace with a permanent policy at a fraction of the cost — one that builds cash value and never raises rates.
I run a free side-by-side comparison. It takes 10 minutes. Most veterans who go through this process are surprised by what they find.
| What people think | Reality |
|---|---|
| "The VA covers my funeral" | The VA pays up to $796 for a service-connected death; $300 for non-service-connected. Average funeral costs $8,000–$15,000. |
| "My family won't pay anything" | The VA gap — often $7,000–$14,000 or more — falls directly on your family. They pay first, then wait for reimbursement. |
| "There's no rush to plan" | Life insurance becomes harder and more expensive as you age or develop health conditions. The best time to plan is before you need it. |
| "The VA process is simple" | Reimbursement can take 30+ days. Families often navigate paperwork while grieving — without the funds to cover immediate costs. |
Source: U.S. Department of Veterans Affairs burial benefit schedules. Figures current as of 2025.
"When Lauren's great-uncle Bob passed — a WWII veteran — we paid everything out of pocket, saved receipts, and waited over 30 days for VA reimbursement. On top of grief, there was financial chaos. That experience is why I built this brand."
— Clay Huffman, The Patient AgentI'll review your current coverage, walk you through your VA benefits in plain language, and show you exactly what your family would receive if something happened to you today. No obligation. No pressure.
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I work with carriers that specialize in veteran underwriting. Many conditions from service — sleep apnea, PTSD, back injuries, hearing loss — are insurable with the right carrier. Don't assume you can't qualify. Let's find out what you actually qualify for.