Everything you need to know about our veteran-focused insurance coverage.
No. We provide coverage to all veterans regardless of combat status, including those who served in non-combat roles, reservists, National Guard members, and even family members of veterans. Our policies are designed for anyone with a connection to military service.
In most cases, your VA disability rating will not negatively impact your premiums. In fact, veterans with service-connected disabilities often qualify for special rates and may be exempt from medical exams. We work with underwriters who understand that service-connected conditions are different from civilian health issues.
Yes. Unlike many traditional insurers, we do not automatically deny coverage for PTSD. We understand that PTSD is a service-connected condition and evaluate each application individually. Many of our life and health insurance plans include PTSD coverage as a standard benefit.
Your coverage remains active during deployment. For auto insurance, we offer special deployment rates that can reduce your premium by up to 60% while your vehicle is in storage. For home insurance, we provide extended coverage for personal property left in storage. Life insurance coverage continues without interruption regardless of deployment location.
Most policies can be activated within 24-48 hours of application approval. For veterans with a VA disability rating of 50% or higher, many of our life insurance products offer guaranteed issue with no medical exam, meaning coverage can begin immediately upon approval.
Yes. We offer significant bundling discounts when you combine multiple policies. Veterans who bundle auto and home insurance save an average of 20%, and those who add life insurance can save up to 30% across all policies. We also offer additional discounts for active duty military, retired veterans, and members of veteran organizations.
Absolutely. We offer comprehensive family coverage options that extend protection to your spouse and dependents. Spousal life insurance, dependent health coverage, and family auto policies are all available. We also offer special provisions for surviving spouses and children of deceased veterans.
Our claims process is designed to be as stress-free as possible. You can file a claim 24/7 through our hotline, online portal, or mobile app. Once filed, a dedicated claims specialist (who is also a veteran) will be assigned to your case. Most auto and home claims are processed within 72 hours. Life insurance claims are typically paid within 5-10 business days of receiving all required documentation.
For most policies, coverage begins immediately upon approval and first premium payment. Auto and home insurance coverage is effective immediately. Some life insurance policies may have a 2-year contestability period, which is standard industry practice. Health insurance policies may have waiting periods for pre-existing conditions, but service-connected conditions are typically exempt.
Not necessarily. Veterans with a VA disability rating of 50% or higher qualify for our no-medical-exam life insurance products. For those without a disability rating or with lower ratings, we offer both exam and no-exam options. Our no-exam policies have competitive rates and coverage up to $500,000.
Still Have Questions?
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