Can Veterans Get Final Expense Insurance?

Veterans have access to both VA burial benefits and private final expense insurance. Understanding both options helps veterans and their families make informed decisions.

VA Burial Benefits for Veterans

The Department of Veterans Affairs provides burial benefits for eligible veterans:

These benefits are a helpful supplement but rarely cover the full cost of a funeral, which averages $7,848 nationally.

National Cemetery Burial

Veterans are eligible for burial in a national cemetery at no cost, which includes the grave, opening and closing, liner, headstone or marker, and perpetual care. This can save $3,000–$8,000 compared to a private cemetery. However, national cemeteries do not cover funeral home costs.

Private Final Expense Insurance for Veterans

Private final expense insurance fills the gap between VA benefits and actual funeral costs. Veterans with service-connected disabilities or Agent Orange exposure may have health conditions that affect their eligibility for simplified issue coverage, but graded benefit and guaranteed issue options are available.

VGLI (Veterans' Group Life Insurance)

Veterans who had SGLI during service can convert to VGLI within 1 year and 120 days of separation. VGLI provides up to $400,000 in coverage but premiums increase significantly with age. At age 70+, VGLI premiums can be $400–$600/month — far more expensive than a final expense policy.

Recommendation for Veterans

Veterans should use VA burial benefits and national cemetery eligibility to reduce costs, then supplement with a $10,000–$15,000 final expense insurance policy to cover funeral home costs and any remaining expenses. This combination provides comprehensive coverage at the lowest total cost.