48 hrs

Agent callback guaranteed

★Built For Those Who Served

You Served Your Country.Now Protect Your Family's Future.No Exam. Rates Built Around Your Service.

Most veterans lose their SGLI or VGLI coverage after separation and never replace it — plans start at $19/month with no exam required, and a licensed agent will walk through your options within 48 hours.

← Takes only 45 seconds

What's your age range?

Step 1 of 9, takes about 60 seconds

Age 25–40

Age 41–55

Age 56–70

Age 71+

What's your gender?

Step 2 of 9, insurers rate men and women separately

Life insurance rates are calculated separately for men and women. Every application asks for it.

Male

Female

Do you use tobacco?

Step 3 of 9, affects your rate estimate

Tobacco use affects your rate. Non-tobacco users typically pay 30–50% less per month. Either way, most applicants still qualify.

No tobacco use

Yes, I use tobacco

What's your military status?

Step 4 of 9, helps match you to carriers that understand service records

Some carriers price service-connected conditions and deployment history differently. This is not a VA or DoD form, and nothing here disqualifies you.

Active duty

Veteran / separated or retired

National Guard or Reserve

Military spouse or family member

How's your health these days?

Step 5 of 9, just helps us find the right options for you

Even with health conditions or a VA disability rating, most veterans still qualify. Most plans require no medical exam, just a couple quick questions.

Excellent

Good

Fair

Managing conditions

What coverage amount do you need?

Step 6 of 9, replaces income and closes the gap SGLI leaves behind

SGLI maxes out at $500,000 while you're serving, and most of that disappears the day you separate. Most veterans choose $50k–$100k to replace lost income and cover what's left.

$25,000–$50,000 (covers debt + immediate needs)

$50,000–$100,000 (replaces lost income for your family)

$100,000+ (full protection, mortgage + future expenses)

Who would this coverage go to?

Step 7 of 9, the person your agent will list on the policy

Your beneficiary is who receives the payout. Naming one now saves a step at application time, and you can change it later.

My spouse or partner

My children

Another family member

I haven't decided yet

Do you already have any life insurance?

Step 8 of 9, helps your agent know what you're starting from

Many veterans still have SGLI or VGLI, which can lapse or get expensive after separation. Knowing what you already have helps your agent recommend the right amount instead of guessing.

Yes, but not enough

Yes, I think it's enough

No, none at all

Last step, where should we send your rate?

A licensed agent will reach out within 48 hours with your rate — reviewing it costs nothing and commits you to nothing.

Best time for your agent to reach you?

Morning

Afternoon

Evening

Anytime

By submitting, you agree that Clearpath Quote will match you with one licensed insurance agent, who will contact you by phone, text, or email regarding veteran life insurance coverage — including by automatic telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. Msg & data rates may apply. You may opt out at any time.

You're All Set

Here's what happens next: a licensed agent will review your answers and reach out within 48 hours by phone or text. They'll walk through your actual rate, help you understand how it fits alongside any SGLI/VGLI you already have, and give you as much time as you need to decide. No pressure, no commitment required.

0Veterans protected this month

$21.40Avg monthly cost

95.2%Approval rate

36–46 hrsAvg. time to active coverage

★How It Works

Take the 45-Second Quiz

Answer 4 quick questions about your age and health — we only ask for personal info once you're ready to move forward.

A Licensed Agent Calls You

Within 48 hours, a licensed agent walks through your options and gives you your actual rate, plainly and without a sales pitch.

Lock In Coverage: No Exam

Choose the plan that fits and pay your first month — coverage is typically active the same week, with no doctor visit needed.

A veteran and his spouse wearing veteran caps and patches

$500,000

Max SGLI coverage while serving — most of it disappears at discharge

"I didn't think about it until my policy just… stopped."

He separated from the Army after eight years, moved his family across three states in six months, and never got around to converting his SGLI to VGLI. By the time he thought about it again, the window to convert without a health exam had already closed.

He wasn't hurt overseas. Nothing dramatic happened. He just got busy living a civilian life and figured the paperwork could wait.

See what coverage costs now that SGLI isn't automatic →

Two years later he was turned down over a health question that wouldn't have mattered inside the VGLI conversion window. His wife found out when the group life certificate they'd been mailed didn't match what she remembered.

That's the gap this coverage exists to close. Not because you weren't covered while you served. Because coverage doesn't automatically follow you home.

Don't let your SGLI coverage quietly expire. See your rate in 45 seconds →

See What Your Plan Could Cost Before You Commit

Age Range

Tobacco Use

Overall Health

Your Estimated Monthly Cost

$24 – $38/mo

Based on $50k–$100k coverage · Exact rate set by licensed agent

Quotes from top-rated carriers including

Mutual of Omaha

Transamerica

AIG

Foresters

Gerber Life

Americo

★Common Questions

Will a service-connected condition disqualify me?

Most veterans still qualify, even with a service-connected disability rating or managed conditions like PTSD, hearing loss, or joint injuries. Many plans require no medical exam, just a few health questions. Our agents will match you to the carrier most likely to approve you.

How is this different from VGLI?

VGLI is administered through the VA and its premiums increase every five years as you age. This coverage is from private, A-rated carriers, often at a lower long-term cost, and doesn't require you to have converted within a specific window after separation.

How quickly will an agent reach out?

Within 48 hours. A licensed agent will call or text you with your rate, no pressure, no obligation to purchase anything.

Is this affiliated with the VA or DoD?

No. Clearpath Quote is an independent, privately-owned service and is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, the Department of Defense, or any branch of the U.S. military. We connect veterans with licensed insurance agents who shop quotes from private, A-rated carriers.

What if I still have SGLI or VGLI?

That's common. This coverage is often added alongside SGLI or VGLI, or used to replace it entirely once you're no longer eligible for SGLI. Your agent can help you identify whether a gap exists and what makes sense to fill it.

How soon does coverage start after I enroll?

For most applicants, coverage is active the same week you enroll. There's no waiting period for accidental death; natural cause coverage typically has a 2-year graded benefit period. Your agent will walk you through the exact terms for whichever carrier approves you.