Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 14, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • The VA provides some armed force insurance options, which cover up to $400,000 for active service members
  • The VA also provides spousal coverage for up to $100,000 at a rate based on the spouse’s age
  • Children may also be covered up to $10,000 at no additional cost
  • Purchased life insurance for defense personnel won’t expire 120 days after discharge and can cover more than these limits

Any defense personnel should opt to buy a life insurance plan for the comprehensive protection provided to them and the family.

There are so many options of life insurance policies available to choose from, it can feel overwhelming quickly. Our experts reviewed the 11 best types of life insurance policies already.

Life insurance for defense personnel covers the unique needs of servicemen and women during the war and war-like situations. Review the armed forces life insurance quotes available to you when you enter your ZIP code today.

What is the best life insurance for defense personnel?

Term life insurance is usually the most cost-effective. The life insurance rates are low so it allows you to buy more coverage for a specified period. The risk to your life expectancy may be higher while you’re an active service member.

Before you get a term life insurance quote, see if the policy is right for you.

You may prefer a whole life insurance plan but wait until after you’re discharged in hopes of a better life insurance rate once you’ve left war and war-like situations.

Guaranteed universal life insurance policies are another wonderful option to consider. A permanent life insurance quote may be exactly what you’re looking for.

The right answer will depend on your situation and financial needs.

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Are the Department of Veteran’s Affairs (VA) programs enough life insurance for defense personnel?

The VA administers the Servicemembers Group Life Insurance family of life insurance benefits for uniformed service members. These benefits are often provided automatically.

How much and which type of life insurance you need is dependent on your financial situation. Review your options. Experts advise securing a life insurance policy that is 10 to 15 times your annual income.

So if you need additional coverage, review the armed forces life insurance options available to you. Your questions about the following programs can be answered at the armed forces insurance phone number: 800-419-1473.

What is the Servicemembers Group Life Insurance (SGLI) plan coverage?

The VA provides an SGLI plan for all service members upon enlistment. This automatically covers up to $400,000 unless service members decline or elect lesser amounts of coverage in writing.

The SGLI coverage stays in effect for 120 days after discharge.

What is the Servicemembers Group Life Insurance Traumatic Injury Protection (TSGLI) plan coverage?

Members who have SGLI automatically have TSGLI. The traumatic injury protection provides payment of up to $100,000 to service members suffering from a qualifying loss while on or off duty.

What is the Family Servicemembers Group Life Insurance (FSGLI) plan coverage?

The FSGLI does not automatically enroll a uniformed service member that married another uniformed service member. These couples must apply for FSGLI.

The FSGLI does automatically add civilian spouses and children. Members may decline coverage or choose a lower coverage amount.

FSGLI provides a term life insurance benefit of up to $100,000 for a member’s spouse and $10,000 for dependent children. Members pay a monthly rate for spousal coverage based on the age of the spouse but dependent children are covered at no cost.

What about the Department of Defense (DoD) personnel?

Active-duty military service members do not qualify for Worldwide Assurance for Employees of Public Agencies (WAEPA) until after transitioning to a DoD civilian role.

The WAEPA provides term life insurance, retirement planning, and financial services to employees of the federal government.

Affordable defense personnel life insurance options are important to protect yourself and your family in times of war and war-like situations. Compare armed force life insurance rates before you buy with your ZIP code today.