Life insurance built for those who served.
No war clause exclusions. No penalties for service. Just honest coverage that protects your family.
Not off the shelf. Off our bench.
We built these because we couldn't buy them.
Every one of us went shopping for life insurance after service. We got the same treatment you did: a rating treated like a diagnosis, deployments treated like risk factors.
So we stopped shopping and started building. VetLife is a blended product line — group-chassis structure fused with individual term, whole, and indexed policies — engineered around PCS moves, deployment clauses, disability ratings, and the SGLI cliff. It's exclusive to the Alliance because it doesn't exist anywhere else.
Why VetLife
Why VetLife insurance?
Coverage we underwrite ourselves — your service counts as a credit, not a risk.
No War Clause Exclusions
Your service doesn't disqualify you from coverage.
Guaranteed Acceptance
Qualified veterans get in — full stop. No shopping your file to a dozen carriers hoping one says yes.
Military Service Credit
Your service experience is valued, not penalized.
Veteran Advisors
Work with agents who understand military life.
Coverage Options
Life insurance options.
Coverage that fits your life stage and budget.
Term Life
Affordable coverage for a specific period. Ideal for covering mortgages, education costs, and income replacement.
- 10, 20, or 30 year terms
- Level premiums
- Convertible to permanent
Whole Life
Permanent coverage that never expires, with a fixed premium and a cash value that builds on a guaranteed schedule.
- Coverage for life
- Fixed premiums
- Guaranteed cash value growth
VetLife™ IUL
Our flagship policy. Permanent, flexible-premium coverage with cash value linked to a market index — protection and growth potential in one policy.
- Flexible premiums
- Market-linked growth potential
- Tax-advantaged cash value
Annuities
Convert savings into guaranteed lifetime income. Built for veterans who want predictable retirement cash flow with tax-deferred growth.
- Guaranteed lifetime income
- Tax-deferred growth
- Death benefit options
VetLife™ IUL
Three ways to build it.
Same policy, three structures. Choose how the premium splits between death benefit and cash value.
Benefits Heavy
~85/15 death benefit to cash value
Protection-first design. Maximizes the death benefit for the premium you pay, with a smaller cash value component.
Blended
~55/45 death benefit to cash value
The middle ground — meaningful protection alongside meaningful cash value accumulation. Our most chosen structure.
Wealth Generation
~20/80 death benefit to cash value
Cash-value-first design. Minimizes the death benefit to maximize the policy's cash value accumulation potential.
An advisor will walk through which structure fits your goals during your quote — the split shown here is illustrative, not a rate.
Needs Analysis
How much is enough?
Straight DIME math off your own numbers, then a real carrier-rated premium — no fabricated quotes.
How much coverage do you actually need?
The DIME method: Debt, Income, Mortgage, Education — minus what you already have. Your numbers, straight math, no upsell.
Compare
SGLI/VGLI vs private insurance.
Compare your options — private term rates are often lower than VGLI at younger ages, illustrated below.
SGLI coverage doesn't follow you out of uniform. It ends on separation. After that, VGLI is your conversion option — and its premiums climb as you age (see the rate schedule below). The earlier you look at private coverage, the more options you have.
Many younger, healthy veterans find private term rates lower than VGLI — the rate table below shows the age-banded comparison.
The math nobody shows you at separation
VGLI gets more expensive every 5 years. Forever.
VGLI premiums are age-banded — they jump at every 5-year birthday and never stop. A level-term VetLife policy locks your rate for the whole term. Illustrative rates for a healthy 30-year-old at issue, $400K of coverage:
VGLI figures from published age-band tables. Your quote depends on your file — which is the point: we actually look at your file.
Why we can say yes
The group chassis, explained
Civilian carriers underwrite you alone, against actuarial tables built for people who never deployed. We built a different structure.
Alliance membership puts you inside a group policy The Veteran Alliance owns — the same way a Fortune 500 covers employees.
Simplified issue for most members: no medical exam, fewer hoops. A disability rating is context inside a veteran risk pool — not an outlier to price against.
Annual policy reviews with the same veteran advisor. Kids, house, business, retirement — the coverage moves when your life does.
The other half of the household
What if it's not you — it's your spouse?
Every number on this page so far assumes you're the one who's gone. But most military households run on two incomes — and your civilian spouse has no SGLI, no SBP, no DIC, no burial honors. Zero military survivor benefits.
If your spouse dies, the second income that made the budget work vanishes — and unlike your death, nothing from the military backstops it.
A VetLife or term policy on your spouse costs a fraction of what their income is worth — the only survivor benefit their side of the household will ever have. One advisor sizes both of you in the same sitting.
Annuities · The other half
Your TSP got you here. An annuity gets you the rest of the way.
A fixed or fixed-indexed annuity converts part of your savings into a paycheck that arrives every month for life — market crash or not. No jargon, no pressure, no "annuity guy" energy.
Annuities · The Other Half of Retirement
What's an annuity, really?
Your 401(k) or TSP got you to retirement. An annuity is how some veterans turn that balance into a paycheck that shows up every month for life, market swings or not.
Multi-Year Guaranteed Annuity
Locks in a fixed rate for a set number of years — the annuity version of a CD. Predictable, no market exposure.
Fixed Indexed Annuity
Growth is linked to a market index with a floor against losses. You don't lose principal to a down market, but upside is capped.
Single Premium Immediate Annuity
One lump sum in, income starts almost immediately. Built for turning savings into a paycheck the day you retire.
Variable Annuity
Your money is invested in sub-accounts (similar to mutual funds), so both income and risk move with the market.
What VAB actually offers today: VA PRP
VA PRP (Personal Retirement Plan) converts an existing 401(k) or IRA into guaranteed lifetime income with a death benefit for your beneficiary — the concept behind a MYGA/SPIA, built on the life-insurance chassis carriers already use for veterans.
No self-serve rate calculator exists for annuities yet — we're not going to show you a made-up number. The estimator below collects your basics and routes you straight to a licensed advisor for the real carrier numbers.
The Process
How it works.
From first question to secured coverage in three steps.
Answer a few questions about your health and coverage needs.
Run the needs calculator for a real, carrier-rated premium on the policy we underwrite — not a shopped-around guess.
Choose your policy and protect your family's future.
Frequently Asked Questions
Not for having a rating. VetLife underwrites inside a veteran group pool — ratings are context we expect, not anomalies to punish. Specific conditions matter, but the answer starts at yes and works backward.
Most members qualify through simplified issue — health questions, no needles, no six-week wait. Higher coverage amounts may need more, and your advisor tells you up front.
Yes — apply while you're covered by SGLI, not after. Your VetLife policy can be in force before your 120-day window even starts, so there's zero gap.
Rough rule: term for maximum coverage on a budget, whole for guaranteed simplicity, VetLife when you want the IUL engine — then Benefits Heavy, Blended, or Wealth Generation depending on whether the mission is protection, balance, or tax-advantaged wealth. Your advisor runs your actual numbers.
Nothing. Advisors are salaried members of the Alliance, not commission hunters. That's why they can tell you a smaller policy is the right call when it is.
VGLI is an option, but its premiums are age-banded and climb every 5 years, forever — a level-term VetLife policy locks your rate for the whole term instead. We can compare options to find the best value for your situation.
Life insurance pays a death benefit to someone else when you die. An annuity does the opposite — it pays income to you while you're alive, usually in retirement. VA PRP bundles both: money converts into guaranteed income for you, with a death benefit for your beneficiary on what's left.
Not yet, and we're not going to fake one. Annuity pricing depends on the carrier, your age, and the funding source, and that carrier-illustration engine isn't wired into our site today. Submit the estimator above and a licensed advisor gets you real numbers directly.
Protect Your Family's Future
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