Private life insurance and final expense coverage for veterans, active duty service members, and their spouses — explained in plain language by a licensed agent, with no obligation.
American First Agency is a private, independent insurance agency. We are not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency, and this is not a government benefit.
The Basics
It is a private life insurance policy — often a smaller whole life or final expense policy — that pays a cash benefit to your family if you pass away while the policy is in force.
It is not tied to a job, a unit, or a service status. As long as premiums are paid, the coverage stays yours.
The death benefit is paid in cash to the beneficiaries you name. They choose how to use it — funeral costs, debts, or income replacement.
Many of these policies use a short health questionnaire instead of a long underwriting process. Approval is never guaranteed.
Who It's For
Funeral and burial costs in the United States commonly run into the thousands of dollars, and they arrive at the worst possible moment. This type of coverage exists so a spouse or an adult child is not making financial decisions during the hardest week of their life.
Especially those whose service-related group coverage has ended, changed, or was never converted.
Service members who want privately owned coverage that will not change when their status does.
Spouses are often uninsured or under-insured even when the service member is covered.
Straight Answers
No. American First Agency is a private, independent insurance agency. We are not affiliated with, endorsed by, or acting on behalf of the VA or any government agency. The coverage discussed here is private life insurance issued by insurance carriers.
Group coverage tied to service often changes, shrinks, or ends when your status changes. Privately owned life insurance belongs to you, follows you regardless of employment or service status, and can be sized to what your family would actually need.
When a claim is approved, the carrier pays a death benefit in cash directly to the beneficiaries you named. Your family decides how to use it — funeral and burial costs, final medical bills, a mortgage payment, or anything else.
It depends on the policy and carrier. Some plans use health questions only, others require an exam. A licensed agent will explain which options you may qualify for. No one can promise approval in advance — every application is subject to carrier underwriting.
Premiums depend on your age, state, coverage amount, tobacco use, and health answers, so nobody can quote an honest price without those details. That is exactly what the conversation with a licensed agent is for.
A licensed insurance agent contacts you at the number you provided to answer questions and review options. There is no obligation to apply, and you can ask to be removed from contact at any time.
Important Disclosures
American First Agency is a private, independent insurance agency. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency. This is not a government program or benefit.
This page provides educational information only and is not insurance, tax, financial, or legal advice. It is not an offer of coverage.
All coverage is subject to carrier underwriting and approval. Approval is not guaranteed. Premiums, benefit amounts, product availability, and features vary by age, state, coverage amount, tobacco use, and health history.
Policies may include waiting periods, graded benefits, or exclusions. Read your policy documents for exact terms, limitations, and conditions.
By submitting the form you consent to be contacted as described in the consent language shown on the form. Consent is not a condition of purchase.