Veterans Of Foreign Wars VFW Life Insurance Options
last updated on January 6, 2026Many VFW members believe their membership includes built-in life insurance. This belief is widespread, but it is not accurate.
The Veterans of Foreign Wars is a nonprofit service organization. It is not part of the United States Government, and it does not automatically fund or provide life insurance to members.
No member receives a death benefit simply for paying dues. The VFW does not issue life insurance policies or act as an insurance carrier. It does not provide guaranteed benefits in the way that the Department of Veterans Affairs provides burial allowances or disability ratings.
Any life insurance made available to VFW members comes from private insurance companies. These plans are typically much more expensive and less thorough than plans offered by The Final Expense Guy.
This means many members who assume they have coverage actually have none, or the wrong coverage, such as the low-value member accidental death benefit for certain age groups during promotional periods, but this is not standard life insurance. It only applies to accidental deaths and does not pay anything for death caused by illness. It is also not permanent and may require periodic reconfirmation.
The first step in protecting a family is understanding that VFW membership and true life insurance coverage are two entirely different things.
(If you’d like to get answers before reading, call the Final Expense Guy directly at 888-862-9456)
HOW VFW ADMINISTERED LIFE INSURANCE ACTUALLY WORKS FOR MEMBERS
Life insurance offered through the VFW comes through affinity arrangements.
These are private partnerships between the VFW and third-party vendors who design and administer insurance packages for large groups.
These plans are optional, and nothing begins automatically.
A member must complete an application, provide personal information, and choose a specific plan. Premiums must be paid every month. If the member stops paying, the coverage ends.
The VFW website directs members to what it calls Life Insurance Central. This is a marketplace where private insurers advertise individual term and whole life products to VFW members.
The VFW Insurance Program also uses administrators such as Lockton Affinity or AGIA Affinity to manage member enrollment and service. These firms handle billing, confirmations, and policy questions but do not pay claims.
The underwriting carrier pays claims, and these carriers may change from year to year under contract agreements, leading to inconsistent payments over time.
Because these are group-style arrangements, members often have less flexibility than when working with an independent broker like The Final Expense Guy.
Underwriting classes, benefit amounts, and coverage structures are determined by the contract rather than by what best suits the individual veteran (this has a HUGE impact on rates and coverage).
HOW AGIA AFFINITY MARKETS AND ADMINISTERS VFW INSURANCE PLANS
AGIA Affinity is a third-party administrator. It is not an insurance company. It is not a government agency. Its role is administrative and promotional.
AGIA handles member communication, application processing, premium billing, and customer service. The actual risk is carried by the insurance company named in the policy, not by AGIA.
For example, when the Guaranteed Acceptance term benefit is offered, the policy certificate clearly lists Securian Life Insurance Company as the underwriter.
This structure matters because insurance companies have no authority to customize underwriting. Their job is to process plans as written. Members who need more flexible underwriting or higher benefit limits must manually look beyond affinity contracts.
THE DIFFERENCE BETWEEN VFW PLANS AND REAL VA LIFE INSURANCE PROGRAMS
Many VFW members confuse VFW-affiliated insurance with the official life insurance programs available through the Department of Veterans Affairs.
These are completely different systems with distinct rules, approval criteria, and coverage limits.
The VA offers three life insurance programs. These include SGLI for active duty service members, VGLI for separating service members, and VALife for service-connected disabled veterans. These programs are federal benefits and are paid through government channels.
The underwriting rules are written into federal law, and none of the VFW-affiliated plans fall under VA authority.
They do not share the same pricing, guaranteed rights, or benefit structures. A VFW-marketed policy does not continue any part of SGLI or VGLI and cannot be used as a substitute for these protections.
SGLI can provide up to $500,000 in coverage for active-duty personnel. When a service member separates, VGLI allows conversion and continuation of up to $500,000 of coverage, provided premiums are paid.
VALife offers up to $40,000 of permanent whole life coverage (with a 2-year waiting period) for veterans with service-connected disabilities. These numbers come directly from VA.gov.
VFW-affiliated plans are commercial plans with private premiums, age bands, health questions, and underwriting rules.
The VFW does not offer $500,000 coverage amounts within its standard member offerings. Most VFW final expense packages top out at amounts far below national funeral averages.
WHAT VFW TERM LIFE COVERS AND WHY BENEFITS SHRINK WITH AGE
VFW-affiliated term life insurance is designed with benefit amounts that can change over time.
Term life offers temporary coverage for a specific period. For older veterans, term life insurance is almost always tied to age bands, which means the premium increases as the veteran ages.
Many term policies reduce the benefit amount as the insured reaches certain ages. This is published openly in most group term contracts where the death benefit steps down at ages like 65, 70, or 75.
This means a member who originally purchased a $50,000 term policy may later have only a fraction of that amount.
VFW members often do not realize that term insurance of this type is NOT designed to last a lifetime; rather, it is intended to expire.
The higher the age, the shorter the remaining term window. For seniors on fixed incomes, these rising costs and shrinking benefits create a significant financial risk.
A term plan that costs little at age 55 may become massively expensive at age 70. By that point, switching to a new plan can be harder due to medical history or affordability.
The shrinking nature of term life makes this a substandard option for older veterans looking for stable, permanent protection.
WHY MANY VFW MEMBERS OUTLIVE THEIR TERM INSURANCE BENEFITS
A major problem occurs when a veteran reaches the end of the term period. If the contract expires at age 75 or 80, the coverage ends. Group term plans tied to affinity organizations often include fixed termination ages in the contract.
Once the insured reaches that age, the policy stops. No refund. No conversion to whole life unless the contract explicitly includes it.
Many VFW members live well into their late seventies or eighties. This means the policy ends before the family ever receives a benefit. A veteran may pay premiums for many years and still leave their family with no payout.
This is one of the most common gaps discovered when reviewing VFW member policies.
The veteran believes they have lifelong protection, when in reality, the coverage is temporary and designed to end long before it is needed.
THE LIMITS OF VFW FINAL EXPENSE PLANS AND THEIR LOW COVERAGE CAPS
Final expense plans offered through VFW-affiliated programs typically provide small coverage amounts. These amounts are often far below the national funeral and cremation averages reported by the National Funeral Directors Association.
The NFDA lists the median cost of a funeral with viewing and burial at $7,848. The median cost of a funeral with cremation is $6,280. These numbers come directly from NFDA research data.
Most VFW final expense packages fall well below these amounts.
VFW life insurance options commonly include benefit caps around levels such as $5,000, $10,000, or $15,000, depending on the specific plan and carrier. These amounts may cover only part of a funeral, leaving the family responsible for the remainder.
Another limitation is the format of the benefit structure.
Many affinity-based final expense plans are structured as group certificates rather than individually owned policies. This can reduce flexibility in beneficiary changes, portability, and long-term stability.
Families who believe their VFW final expense benefit will fully cover end-of-life costs often discover a significant shortfall. This is why going through a broker like The Final Expense Guy is often a much better choice, as you’ll often get more coverage at a lower cost.
COMMON MISUNDERSTANDINGS ABOUT MEMBER PRICING AND DISCOUNTED RATES
Many VFW members assume programs marketed through their organization include discounted rates. This belief is common because the plans are presented as member advantages.
In reality, their membership does not guarantee any special pricing.
Affinity-marketed life insurance often costs much more than open market options.
This group structure and lack of flexibility does not always translate into a lower premium per thousand of coverage. Pricing is determined by the underwriting carrier and the terms of the affinity contract rather than by VFW membership.
Veterans may believe they are receiving exclusive deals when, in fact, these products are simply packaged options. When compared to independent whole life or simplified issue policies with level premiums, the VFW-affiliated plans can be less competitive.
This misunderstanding leads many members to accept higher premiums or lower benefit amounts than necessary.
Independent brokers like The Final Expense guy have access to multiple carriers and can compare rates from many different carriers, which affinity programs cannot do.
KEY LIMITATIONS AND EXCLUSIONS FOUND IN VFW SPONSORED COVERAGE
VFW-sponsored policies contain exclusions and limitations that vary by carrier.
These terms are not always obvious unless the member reads the certificate carefully. Some plans include waiting periods for certain types of coverage. Others include benefit reductions at certain ages.
Coverage may end at a set age. Some group policies include accidental death only benefits for specific age groups, which do not cover death caused by illness, which is the most common cause of death among seniors.
Eligibility rules vary by carrier.
A member must meet the underwriting standards required by that insurer. These standards can include health questions, height and weight limits, medication history, or tobacco usage classifications.
Since these rules do not come from the VFW, they can change whenever the carrier updates its guidelines.
HOW FUNERAL AND CREMATION COSTS HAVE OUTPACED VFW INSURANCE BENEFITS
Funeral and cremation costs continue to rise faster than the benefit amounts offered through most VFW-affiliated life insurance plans.
This gap is one of the biggest financial risks for families who assume their coverage will be enough.
The National Funeral Directors Association reports the median cost of a funeral with burial at $7,848. Cremation with a service has a median cost of $6,280. These numbers come directly from NFDA research.
When a VFW-affiliated plan offers coverage amounts that commonly fall in the $5,000 to $15,000 range, the benefit may cover only part of the total expenses. It often does not include the cost of a burial plot, a headstone, upgrades to military honors, or family travel.
Veterans who assume their benefits will stretch farther often leave their families with unexpected expenses. This creates stress and confusion during an emotional period when families are least prepared for sudden financial decisions.
A final expense plan should match or exceed current cost averages. When it falls short, the family must either use savings or borrow money to cover the gap.
FINANCIAL STRENGTH, CARRIER RATINGS, AND WHY THEY MATTER FOR VFW MEMBERS
Every VFW-affiliated life insurance policy is underwritten by a private insurance carrier.
The financial strength and claims-paying ability of that carrier determine how reliable the coverage truly is.
A.M. Best provides financial strength ratings for insurers. These ratings indicate a company’s stability and its likelihood of paying claims without interruption. The VFW partnered carriers advertise high ratings on their websites, and this information can be verified directly through A.M. Best.
The National Association of Insurance Commissioners publishes complaint data for every insurer operating in the United States. This information shows how carriers resolve consumer issues and how often complaints occur relative to company size. Reviewing NAIC complaint histories helps veterans understand the performance of the carriers behind their VFW plans.
Affiliation alone does not guarantee quality. The VFW does not regulate these insurers. The carriers must meet state insurance standards, and insurance departments, A.M. Best, and the NAIC oversee their performance.
A veteran who wants long-term life insurance must understand who stands behind the coverage. The VFW name is promotional, but the carrier’s name is what governs the protection itself.
GUARANTEED ISSUE VS SIMPLIFIED ISSUE AND WHY VFW MEMBERS OFTEN BUY THE WRONG TYPE
Guaranteed issue life insurance accepts applicants without asking any health questions. It is easy to qualify for but includes a MANDATORY two-year waiting period before the full death benefit is payable.
Simplified issue whole life requires basic health questions, but provides immediate first-day coverage for most applicants. Many veterans qualify for simplified issue even with common health conditions such as diabetes, blood pressure medications, cholesterol medications, or past surgeries.
Some VFW-marketed plans are guaranteed issue, which are often selected because they appear convenient and require no medical information. The problem is that the two-year waiting period applies to all natural causes of death.
During those first two years, families receive a refund of premiums plus interest rather than the full benefit.
This misunderstanding leads many veterans to pay more for lower coverage.
In many cases, a simplified issue plan would have offered full protection immediately.
The difference between the two types of plans can significantly impact a family’s outcome when timing is crucial.
HOW HEALTH CONDITIONS AFFECT VFW LIFE INSURANCE ELIGIBILITY AND PRICING
VFW-affiliated life insurance plans do not use a single standard for health approval.
Each carrier sets its own underwriting rules, which determine whether a veteran qualifies for immediate coverage or is placed in a limited-benefit category.
Common conditions such as high blood pressure, high cholesterol, thyroid issues, mild diabetes, or past surgeries may be acceptable for simplified issue whole life coverage outside the VFW program.
Many independent carriers at The Final Expense Guy offer full first-day coverage with these health histories if medications are stable and there are no recent complications.
VFW-marketed plans may apply broader risk classifications. Group affinity programs often place applicants into pre-set risk categories based on fewer underwriting tiers. This can result in higher premiums, limited benefit options, or restrictions on the amount of available coverage.
Veterans with more complex medical histories may find that guaranteed issue becomes the default option within an affinity plan. For many veterans, this is not necessary because independent carriers offer more flexible underwriting guidelines and 1st-day coverage.
Understanding these differences helps veterans avoid paying more than required and ensures they receive protection that matches their actual health profile.
AGE-BASED PRICE INCREASES AND WHY VFW TERM LIFE BECOMES MORE EXPENSIVE OVER TIME
Term life insurance offered through VFW-affiliated programs is not level priced for life. It follows age-based brackets.
As the veteran ages, the premium increases. This pattern is common in group term policies and is documented in most term contracts.
A plan that seems affordable at age 55 can become expensive at age 65 or 70. The cost per thousand of coverage rises sharply in older age brackets because mortality risk increases with age. The veteran pays more for the same benefit amount.
Some plans also reduce the coverage amount at specific ages. A $50,000 term benefit might drop to half or less after age 70, depending on the carrier’s rules.
This creates a double problem of higher premiums and shrinking coverage at a time when financial stability is becoming increasingly important.
These pricing patterns often force older veterans to drop coverage. Once they cancel because of cost, they lose the years of premiums they have already paid. If they try to buy new insurance at an older age, the premiums for a new policy are even higher.
This is why age-based term coverage is one of the riskiest forms of life insurance for seniors.
A REAL COST COMPARISON OF VFW PLANS VERSUS OPEN MARKET WHOLE LIFE OPTIONS
Whole life insurance from independent carriers offers level premiums, permanent coverage, and predictable benefits.
VFW-affiliated plans tend to have smaller benefit amounts, age-based price increases, or temporary term structures.
Independent whole life carriers typically offer benefit amounts ranging from $5,000 to $25,000 or higher, depending on the applicant’s age and health. These benefit levels remain fixed for life. The premium remains unchanged, and coverage never expires as long as payments are made.
VFW-affiliated plans often include coverage caps that do not exceed small final expense amounts. These limits can leave families underinsured. The cost per thousand of coverage can also be higher in some affinity programs compared to plans available through independent brokers.
Independent brokers like The Final Expense Guy can compare multiple carriers, determine which underwriting class best fits the veteran, and find the most efficient premium.
Group affinity programs cannot do this. They are tied to the terms of their single contract.
WHEN VFW MEMBERS SHOULD NOT RELY ON GROUP TERM LIFE AS THEIR MAIN COVERAGE
Group term life insurance is not designed to provide lifelong protection for a veteran.
It is temporary insurance tied to age bands, contract terms, and expiration ages. This structure makes it unreliable for seniors who need permanent protection for final expenses.
Most VFW-affiliated term plans end by a certain age. When coverage ends, there is no payout or refund. This is a common surprise for members who believed the plan would last as long as they paid premiums.
Another risk is the premium increases.
Group term premiums rise across age brackets, putting pressure on fixed-income veterans. Many members end up canceling because they cannot afford the new amount. When they cancel, their years of premiums provide no long-term benefit.
Term life also does not work well for families who want predictable end-of-life preparation. Once the term expires, the veteran must buy a new policy at an older age with higher premiums. This cycle continues until the veteran can no longer qualify or afford the coverage.
For these reasons, group term insurance should not be used as the primary or only form of life insurance for VFW members.
THE TYPES OF FIRST DAY COVERAGE PLANS AVAILABLE OUTSIDE THE VFW PROGRAM
Veterans have access to several types of first-day coverage that do not require waiting periods and do not have shrinking benefits.
These plans are offered through independent whole life carriers that underwrite seniors with a range of health conditions.
Simplified issue whole life is the most common option. It includes basic health questions but no medical exams. If the applicant qualifies, the coverage starts immediately for natural and accidental death. This is important because most deaths among seniors are due to natural causes.
Benefit amounts are flexible. Veterans can choose coverage amounts that match their funeral needs, and the premium never increases.
Coverage is permanent. As long as payments continue, the policy remains in force for life.
This gives families certainty. They know exactly what will be paid out and when. This stability is the primary reason whole life is preferred for final expenses.
These independent plans offer broader underwriting compared to affinity programs.
Veterans who are denied first-day coverage under a group plan may qualify easily with an independent carrier.
HOW TO AVOID A TWO-YEAR WAITING PERIOD POLICIES MARKETED TO VETERANS
Veterans often choose these plans without realizing they are stuck in a 2-year waiting period plan. During the first two years, the family receives only a return of premiums plus interest rather than the full benefit.
Seniors NEVER want guaranteed issue coverage with a 2-year waiting period and higher prices.
What is better is simplified issue whole life is available to many veterans with common health conditions. This means immediate protection is possible without the waiting period if they apply through the right carrier.
Veterans can avoid unnecessary waiting periods by reviewing their health profile with an independent broker like The Final Expense Guy, who has access to multiple underwriting guidelines.
A SIMPLE CHECKLIST FOR VFW MEMBERS REVIEWING THEIR CURRENT COVERAGE
Many VFW members are unaware of the actual coverage they have. A simple checklist makes it easier to evaluate whether their plan still matches their needs.
First, confirm whether you have a term policy or a whole life policy. Term life expires. Whole life does not. This distinction determines whether your coverage is temporary or permanent.
Next, check whether your premium increases with age.
If your price changes every 5 or 10 years, the plan is built on age bands. This means the premium will continue to climb until the policy becomes unaffordable.
Review the benefit amount.
If your plan includes coverage levels such as $5,000, $10,000, or $15,000, compare these amounts to the current national averages published by the National Funeral Directors Association. The NFDA reports burial and cremation costs that often exceed these limits.
Look for the waiting period.
If your plan is guaranteed issue, the full benefit will not pay out for natural causes until the waiting period has passed. This is a critical detail that many VFW members overlook.
Finally, identify the underwriting carrier.
The carrier name determines the policy rules, financial rating, and claims handling reputation. The VFW and its administrators do not control the carrier’s decisions.
WHY WORKING WITH AN INDEPENDENT BROKER LIKE THE FINAL EXPENSE GUY GIVES BETTER COVERAGE AND LOWER COSTS
Independent brokers are not tied to a single carrier. They are free to compare multiple companies, multiple underwriting guidelines, and multiple pricing structures. This flexibility gives veterans far better options than any affinity-based program.
An independent broker like The Final Expense Guy can match a veteran’s health profile to the carrier that offers the lowest rate. This prevents veterans from being pushed into guaranteed issue plans with waiting periods. Most seniors qualify for first-day coverage when their application is submitted to the right company.
A broker can also provide higher coverage amounts.
While many VFW-affiliated plans cap benefits in the final expense range, independent carriers allow larger amounts, such as $20,000, $25,000, $30,000, or more, depending on health and age. This can make the difference between covering the full cost of a funeral and leaving a large balance to the family.
The claims process is also more straightforward.
Independent brokers work with well-established carriers that maintain consistent claims-handling practices. Veterans receive clear guidance and support throughout the entire policy lifecycle.
FREQUENTLY ASKED QUESTIONS: VETERANS OF FOREIGN WARS
Do all honorably discharged veterans qualify for life insurance?
Most honorably discharged veterans do not automatically qualify for life insurance because private insurance companies evaluate medical history, age, and health factors, and the VA only guarantees VALife to veterans with service-connected disabilities, as stated on VA.gov. Many veterans assume an honorable discharge gives them instant access to coverage, but private insurers still apply their own underwriting rules. Veterans with stable health often qualify for simplified issue whole life that activates on the first day, while others with more complex histories may face more limited options. Discharge status helps establish eligibility for certain VA programs but does not guarantee approval from private carriers. The Final Expense Guy helps veterans compare multiple companies so they can secure the strongest first-day coverage available without guessing.
Does VFW membership include any free life insurance?
VFW membership does not include any free life insurance, according to the organization’s own materials, which state that all life insurance must be purchased separately through private affinity partners. Some veterans recall small accidental death promotions from past years, but those were temporary, covered accidents only, and did not apply to illness or natural causes. The VFW does not fund permanent or term life insurance benefits for dues-paying members. Veterans who assume they have automatic coverage may discover they do not. The Final Expense Guy helps veterans set up real policies that protect their families for both natural and accidental death without relying on limited promotional offers.
Are VFW affiliated life insurance plans part of the VA?
VFW-affiliated life insurance plans are not part of the VA and are not federal benefits, which the VA makes clear when explaining SGLI, VGLI, and VALife on VA.gov. These VFW-associated plans are commercial life insurance products marketed through private partnerships and follow private underwriting rules. They do not continue SGLI or VGLI benefits, nor do they share federal protections or pricing standards. Veterans cannot treat them as VA extensions because they are entirely separate programs. The Final Expense Guy offers straightforward alternatives that give veterans clarity and predictable whole life protection.
Who underwrites the life insurance promoted through the VFW?
Life insurance promoted through the VFW is underwritten by private insurance companies, and each policy certificate identifies the carrier responsible for paying claims. A publicly documented example includes Securian Life Insurance Company, listed as the underwriter on certain guaranteed acceptance term plans. These carriers can change when the VFW updates its affinity contracts, meaning underwriting companies may differ from year to year. Administrative firms such as AGIA Affinity only process enrollment and billing, not claims. The Final Expense Guy works with consistently highly rated whole-life carriers so veterans know exactly who backs their coverage.
Do VFW plans offer lower rates than regular life insurance?
There is no public evidence showing that VFW affinity plans provide lower rates than independent whole life carriers, and many affinity plans cost more because they use preset group pricing. Veterans often believe membership offers a discount, but pricing is determined solely by the underwriting carrier. Group-based pricing cannot be adjusted downward to reflect individual health advantages that private underwriting can recognize. This leads many veterans to overpay for smaller coverage amounts. The Final Expense Guy compares multiple insurers to find better pricing and stronger coverage than group contracts typically offer.
Can a VFW member qualify for first-day coverage with private insurance?
Yes, many VFW members qualify for first-day simplified-issue whole life coverage from private insurers when their health conditions are stable and their medications are routine. These policies avoid medical exams and approve many seniors with diabetes, blood pressure medication, cholesterol medication, thyroid treatment, or past surgeries. Affinity programs sometimes push veterans into guaranteed issue plans unnecessarily, even when they qualify for full immediate protection elsewhere. Applying through the right carrier eliminates unnecessary waiting periods. The Final Expense Guy specializes in finding first-day coverage options based on each veteran’s specific health profile.
Why do VFW term life plans get more expensive over time?
VFW-affiliated term life plans increase in price because they follow age-based pricing brackets, which automatically raise premiums as the veteran moves into older age groups. These increases are written into each contract and reflect the higher risk associated with aging. Many VFW term plans also reduce the death benefit when veterans reach certain ages, giving less coverage for more money. This structure becomes difficult for seniors on fixed incomes to maintain. The Final Expense Guy helps veterans transition to whole life policies with level premiums that never increase.
Are VFW final expense benefits large enough to cover a full funeral?
Most VFW-associated final expense benefits fall below the median funeral costs published by the National Funeral Directors Association, which reports burial at $7,848 and cremation with a service at $6,280. Many affinity packages offer $5,000, $10,000, or $15,000, which may not cover the full cost once cemetery fees and additional services are factored in. These smaller caps often leave families to pay the remaining costs out of pocket. Veterans who assume their coverage is enough can unintentionally leave their families with a financial burden. The Final Expense Guy helps veterans secure whole life plans with coverage amounts that better match national funeral averages.
Does the VFW oversee claims or guarantee payouts?
The VFW does not oversee claims or guarantee payouts because it is not the insurer and does not fund life insurance benefits. Claims are handled entirely by the private carrier listed on the policy certificate. The VFW’s role is limited to marketing and administrative coordination through affinity partners. Veterans who assume the organization guarantees their payout misunderstand how these programs are structured. The Final Expense Guy works only with financially strong insurers to ensure a stable and reputable company backs the policy’s benefits.
What is the best way for a VFW member to compare life insurance?
The best way for a VFW member to compare life insurance is to review multiple independent carriers side by side rather than rely on a single affinity program. Private whole life carriers often offer more flexible underwriting and better pricing than group based plans. Comparing financial ratings, benefit amounts, underwriting rules, and policy details helps veterans identify the most reliable long-term option. This prevents them from being limited to a single contract with narrow benefits. The Final Expense Guy provides these comparisons so veterans can choose the strongest policy with confidence.
Are health conditions treated differently in VFW plans compared to private insurers?
Yes, VFW plans often use broad group-level risk categories that are less flexible than private insurers, which underwrite individually. Many independent carriers allow first-day coverage for seniors with common conditions, while group programs may default applicants into more expensive, limited-benefit plans. This difference can cause veterans to pay more or receive smaller benefits even when they could have qualified for stronger coverage. Veterans who want customized underwriting usually fare better with individual policies. The Final Expense Guy evaluates multiple carriers to find the one that offers immediate full protection whenever possible.
Can VFW members keep their coverage if they get life insurance elsewhere?
Yes, VFW members can keep their existing coverage if they purchase additional private life insurance because the plans do not conflict or overlap. Many veterans choose to keep both until their new policy is active, then drop the affinity plan if its premiums rise or benefits shrink. Some veterans keep their affinity plan as supplemental coverage, but many replace it entirely after seeing its limitations. Private whole life is often more stable because it never expires, and premiums never change. The Final Expense Guy helps veterans secure dependable first-day coverage before they make any changes to existing plans.
