Active-duty soldiers, transitioning veterans, and Army Reserve/National Guard service members each face different life insurance decisions. We work with all three across infantry, armor, cyber, aviation, and support MOSs — and we route to carriers that underwrite Army-specific scenarios fairly.
The biggest Army-specific underwriting flags are airborne/aviation duties (some carriers exclude or table-rate jumpers and aviators) and combat deployments within the last 24 months (some carriers postpone). Cyber and intel specialties typically underwrite cleanly without flags. We route to carriers known for fair active-duty and recent-deployment underwriting.
Some carriers exclude or table-rate jumpers, aviators, and SOF personnel. We route to carriers (including Mutual of Omaha, Pacific Life, Banner Life, and others) that historically underwrite these specialties at Standard rates with minimal questions. If you're 75th, 82nd, 101st, or any aviation MOS, expect 2-3 carrier comparison rather than 5-8.
Carriers vary on post-deployment postponement windows. Some require 6 months stateside; others have no postponement. We screen this up front so you don't waste an application cycle.
If you're separating, the 240-day VGLI window is your guaranteed-issue safety net. But for most healthy soldiers, locking in private term first (in months 6-12 of separation) is the better long-term move. See our VGLI vs. Private Life Insurance guide for the full math.
Drilling Reserve/Guard members can carry SGLI through their service obligations and are eligible for VGLI on separation just like active duty. Civilian-side life insurance applications need to disclose drill status — most carriers underwrite cleanly with disclosure.
It depends on the carrier and the recency. Most carriers will issue while deployed if you can complete the application from theater (some carriers postpone for 6 months post-deployment). We'll route you to a carrier that fits your specific situation.
No. Some carriers exclude or table-rate jumpers, but several major carriers underwrite at Standard rates for active jumpers. Disclose the duty type and we'll route accordingly.
SCRA primarily protects existing financial obligations (mortgages, loans) during deployment, not new insurance applications. Standard insurance shopping practices apply.
Free Will Kit + 15-minute review. Independent broker. We route to the carriers that handle your branch's specialties best.
