- FOR VETERANS AND SEPARATING SERVICE MEMBERS
YOU LEFT THE SERVICE.
YOUR FAMILY'S PROTECTION
SHOULDN'T LEAVE WITH YOU.
The military handed you a system. Civilian life hands you a VGLI bill that climbs every five years. We replace temporary coverage with fixed-rate protection you own, built in one 15-minute call.
■ LICENSED AGENCY ■ 15-MINUTE CALL ■ NO PRESSURE, NO HOME VISITS
CLIENT FIELD REPORT
"Secured an affordable 30-year term policy that protects my family's future."
David M., 100% disabled veteran
- FOR VETERANS AND SEPARATING SERVICE MEMBERS
YOU LEFT THE SERVICE.
YOUR FAMILY'S PROTECTION
SHOULDN'T LEAVE WITH YOU.
The military handed you a system. Civilian life hands you a VGLI bill that climbs every five years. We replace temporary coverage with fixed-rate protection you own, built in one 15-minute call.
■ LICENSED AGENCY ■ 15-MINUTE CALL ■ NO PRESSURE, NO HOME VISITS
CLIENT FIELD REPORT
"Secured an affordable 30-year term policy that protects my family's future."
David M., 100% disabled veteran
120 DAYS
How long SGLI follows you after separation. Then the clock runs out.
EVERY 5 YRS
VGLI premiums step up with each age band. For as long as you keep it.
15 MIN
To see your real numbers side by side. Then you decide.
01 / THE DECLARATION
YOU LOSE MORE THAN YOUR RANK WHEN YOU GET OUT.
In uniform, protection was built in. Nobody asked you to shop for it, compare it, or wonder if it would hold. It just held.
Then you separate, and the structure quietly disappears. Most veterans roll into VGLI because it's the form in front of them. It was built as a bridge, not a foundation, and the rate keeps climbing as you age.
YOU PROTECTED THE COUNTRY. THIS IS ABOUT MAKING SURE YOUR FAMILY IS PROTECTED FROM WHAT COMES AFTER.
| AGE | $100K | $250K | $500K | YEARLY ($250K) |
|---|
VGLI figures use the VA's published monthly premiums effective July 1, 2025 (va.gov), assuming the same coverage is kept and rates do not change. VA rates can change.
03 / THIS IS FOR YOU IF
IF YOU SERVED, YOU QUALIFY FOR THIS CONVERSATION.
01You're paying for VGLI right now
02You're active duty and getting ready to separate
03You got the letter saying your premium is going up
04Someone told you you "don't qualify" for coverage
05You want your real options, not just what the VA mails you
06You have a service-connected disability rating and assume it rules you out
04 / THE OPERATION
THREE MOVES. DONE.
01
RUN YOUR NUMBERS
Two minutes on the calculator shows what VGLI will cost you as you age, band by band.
02
15-MINUTE DEBRIEF
A licensed advisor puts your current cost next to a fixed-rate option on one screen. Phone or video. No home visit.
03
LOCK IT IN
If it makes sense, you apply. Keep VGLI until the new policy is in force, so there's never a gap.
05 / YOUR NUMBERS
SEE WHAT VGLI WILL ACTUALLY COST YOU AND HOW TO NOT OVERPAY.
Enter your info and we'll text you the VGLI Cost Calculator, plus the free Service Member Protection Manual.
- Your VGLI cost at every age band
- What a fixed-rate policy could look like
- Options if you have a disability rating
🔒 Your info is 100% private. By submitting this form, I agree to receive texts and calls from Service Member Protection Advisors, including by automated means and AI or prerecorded voice. Consent isn't required to buy. Reply STOP to opt out.
06 / FIELD REPORTS
FROM THE ONES WHO ALREADY HANDLED IT.
★★★★★
"Finding affordable life insurance as a 100% disabled veteran shouldn't be so complicated, but VGLI's premium doubling rates made it feel that way."
David MVeteran, 30-year term policy
★★★★★
"They made the process easy while I was exiting the military. I can now relax knowing my family is protected."
Robert T.Transitioned out, covered before separation
07 / WHO WE ARE
BUILT FOR ONE MISSION.
Service Member Protection Advisors exists to close one gap: veterans defaulting into expensive, temporary coverage because nobody sat down and explained their options. We work only with veterans, active duty, and their families.
Mason VanMeter
Founder
YOUR SERVICE ENDED.
YOUR WATCH DIDN'T.
Fifteen minutes. Your real numbers. No pressure, and you decide.
SMP
SERVICE MEMBER PROTECTION ADVISORS
About Careers Privacy Policy Terms
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency. Service Member Protection is an independent insurance agency. Coverage, rates, and eligibility depend on age, health, and underwriting by the issuing carrier. VGLI is a program of the VA; compare carefully and do not cancel existing coverage until a new policy is in force. © 2026 SERVICE MEMBER PROTECTION ADVISORS