Mortgage Protection for Veterans and VA Loan Homeowners
If you used your VA loan benefit, you have unique options — and unique gaps — when it comes to protecting your mortgage.
- VA loan, SGLI, and VGLI factored into the recommendation
- No-pressure conversation
- Free coverage report
The VA loan is one of the best mortgage products in the country — but it doesn't include life insurance. Many veterans assume SGLI carries over into civilian life. It doesn't. VGLI is available for a window after separation but the rates climb quickly with age.
If you bought a home with a VA loan, your spouse will need a plan to either keep paying the mortgage or pay it off entirely if something happens to you. That's where private mortgage protection or level term life comes in — usually cheaper than VGLI for healthy applicants in their 30s and 40s.
We'll walk you through how your service-connected benefits, VGLI, and a private policy can stack — and help you decide whether you need a private policy at all.
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