Life insurance for those who served.
You have protected others. Opulent Life Financial helps veterans and their families find private whole life and final expense coverage, so you get one dedicated agent who stays with you from start to finish.
Private coverage, personal service.
Many veterans want coverage that stays with them for life and helps take care of their families. Because of that, Opulent Life Financial helps veterans compare private whole life and final expense insurance from our network of leading carriers.
Whole life insurance provides lifelong coverage with level premiums and cash value that builds over time. Meanwhile, final expense insurance is a smaller whole life policy that helps cover funeral costs and other end-of-life expenses. Every veteran can apply for whole life coverage through our carriers. However, the plans available to you, and final approval, depend on the carrier’s underwriting, your age and your state.
Because we are independent, your dedicated agent can compare options across carriers. As a result, your coverage matches your needs and budget, not a single company’s products.
Simple, personal and handled by phone.
Tell us about yourself
Call us or request a quote online. Then share your goals, your family situation and the coverage you want.
Compare your options
Your dedicated agent compares whole life and final expense plans from our network of leading carriers, so you see your options side by side.
Get covered
Your agent guides you through the application. In addition, your agent stays with you from start to finish.
Who it’s for, and who it may not suit.
Often a good fit
- Lifelong coverage matters to you as a veteran.
- Helping your family with funeral costs and final expenses is a priority.
- Coverage in addition to any benefits you already have appeals to you.
- Working with one agent by phone, with no office visit, suits you.
May not be the best fit
- Applying for a government-sponsored program is your goal, but we do not offer or administer those programs.
- Coverage for only a limited period may be enough, so ask your agent about term life.
What carriers look at for veteran coverage.
The coverage we offer is private life insurance, so carriers underwrite it the same way they do for any applicant.
Age
Issue ages and available plans vary, so your agent checks each carrier’s rules.
Health history
Depending on the plan, carriers may ask a short set of health questions. However, some final expense plans have no health questions.
Coverage type
Whole life and final expense plans differ in coverage amounts, underwriting and benefit structure. As a result, your agent explains each before you choose.
State
Plans and availability depend on your state of residence, so your agent confirms your options first.
Veteran coverage questions, answered.
Is Opulent Life Financial affiliated with the VA?
No, because we are an independent insurance agency with no affiliation with, endorsement from or sponsorship by the U.S. Department of Veterans Affairs or any government agency.
Is this the same as government veteran life insurance?
No, because the coverage we offer is private life insurance from insurance companies. In contrast, government agencies administer government-sponsored programs. Therefore, visit va.gov for information on those.
What kinds of coverage can you help with?
We help veterans compare whole life and final expense insurance. Also, your agent can discuss other coverage with you if you ask.
Can I apply if I have health conditions?
Many veterans can apply. However, some final expense plans have few or no health questions, though they may pay a reduced benefit during an initial period. Your agent can tell you which options may fit.
Do I need to visit an office?
No, because we work with clients by phone, nationwide. Also, our phone line stays open 24 hours.
Opulent Life Financial has no affiliation with or endorsement from the U.S. Department of Veterans Affairs or any government agency. Coverage is private life insurance that insurance companies issue, and plans, benefits and eligibility vary by carrier and state. Underwriting applies. Guarantees depend on the claims-paying ability of the issuing insurance company.
Whole Life Insurance
Permanent coverage with level premiums, while cash value grows at a guaranteed rate.
Learn moreFinal Expense Insurance
Smaller permanent policies that help cover end-of-life costs, so your family does not carry them alone.
Learn moreTerm Life Insurance
Protection for a set number of years, while premiums stay level.
Learn moreTake care of the people you love.
Speak with a licensed agent by phone, or request your free quote online. Your dedicated agent will then walk you through your options.