Your numbers. A clearer conversation.

Make room for a plan.

Two simple tools to help you understand your options. Your entries stay in this page and are not submitted to us.

01 · Family coverage needs

What would you want covered?

Example amounts are a starting point. Replace them with your own estimates.

Funeral & final expenses ($)What would you want set aside?Mortgage payoff ($)Enter 0 if you do not want to include paying off the home.Other debts ($)Do not include the mortgage again.Monthly family support ($)Include only the amount your family would need replaced. Exclude mortgage payments if paying it off above.Months of supportChoose 0–120 months.Existing life insurance ($)Only benefits you expect to remain in force and available to your family.Savings available for these needs ($)Exclude funds your family needs for other purposes.

Estimated additional need

$33,000

Expenses & support: $33,000
Existing resources: −$0

This is the gap between the needs and resources you entered—not an insurance quote or a recommendation to buy that amount.

Talk through my needs →

This estimate does not model inflation, taxes, investment returns, or every household need.

02 · Understand VALife

The premium. The wait. The benefit.

VALife offers eligible veterans guaranteed-acceptance whole life coverage. It has a two-year waiting period for the full death benefit.

Premium ageUse your age when applying. If more than six months have passed since your birthday, use the next age. For age 81 or older, see the VA’s eligibility exceptions and rate table.Coverage amount

Generally, eligibility requires a VA service-connected disability rating (including 0%) and age 80 or younger. Premiums remain fixed if the policy stays in force.

Check official eligibility and rates ↗

Published monthly premium

$124.00 / month

24 monthly payments: $2,976

During the first two years

If death occurs during the waiting period, beneficiaries receive premiums paid plus interest.

After the waiting period

The full $20,000 death benefit applies if coverage remains in force.

Source: U.S. Department of Veterans Affairs. Rates checked September 26, 2026. Monthly payment illustration; annual payment rates differ. Confirm current information with the VA. The Wolle Agency does not administer VALife.