Life Insurance for Defense Personnel

Armed forces life insurance is provided by the military but it might not include everything to protect your family. Purchasing additional insurance will allow you to financially protect your family should something happen to you. Understanding the basics of life insurance for defense personnel will allow you to find the right type of insurance and buy from the right life insurance company.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Life insurance for defense personnel might be difficult to find
  • Additional insurance might be required to financially protect your family
  • More companies are starting to offer this type of life insurance

It can be difficult to find life insurance for defense personnel because the job is considered high risk.

However, the best insurance companies now offer policies specifically for military personnel. Knowing the basics of life insurance for defense personnel will help you find the right company and policy.

To find companies that offer life insurance quotes for defense personnel, enter your ZIP code to find the best life insurance rates in your area.

Why do you need life insurance for defense personnel?

Joining the armed forces is entering a dangerous profession. Life insurance for defense personnel protects your family financially should something happen to you while serving.

The payout can help pay off debt, expenses, college tuition, or anything else that might be needed.

The military provides armed forces life insurance to service members but it might not be enough coverage.

Many insurance companies have developed plans to provide additional life insurance, ensuring that service members have the coverage they need.

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What types of life insurance for defense personnel are available?

The types of life insurance that you can buy as a service member are no different than anyone else. Term life insurance offers coverage for a limited time. This is the more affordable life insurance for defense personnel.

Permanent life insurance policies allow a policyholder to build a cash value. These policies are more expensive but offer greater coverage for your loved ones.

The Insurance Information Institute offers reasons why you might want to purchase permanent life insurance.

Some companies limit the coverage available to those in high-risk professions. However, a quality life insurance company for defense personnel will provide specific armed force insurance policies.

This allows military personnel to receive more coverage than others in dangerous professions.

If you’re not sure if you’ve found the right policy, consider a company that offers a free look period. This allows a policyholder to cancel their policy within 10 days of the purchase and a full refund of any payments.

What should you know before buying life insurance for defense personnel?

There are various things that you should consider before you buy life insurance for defense personnel. This will ensure that you purchase the right policy from the right company.

The following are some of the things you should know before buying life insurance for defense personnel.

Do you need additional life insurance?

There are several factors to consider when deciding if you need life insurance. This includes your current debt, expenses, and what you expect in the future.

If your family will have bills to pay when you’re gone, life insurance can help ensure they’re financially protected.

How much additional life insurance do you need?

To find the right amount of coverage, consider your debt and expenses. The purpose of life insurance is to protect your family and you might not want to depend on the military for this protection.

The policy you purchase should be enough to take care of the bills and pay off any debt left behind.

Some policies allow a beneficiary to receive incremental payments over time. This can be used as regular income for your family.

What are some red flags?

Certain red flags might exclusively affect military personnel. Many people know that the military is a dangerous profession and service members want life insurance. It’s important to know which people to avoid when looking for coverage.

If someone is selling life insurance on a base, make sure they are doing so with authorization. It’s also a good idea to avoid non-military or former military claiming to be a financial advisor.

Limiting your options to trusted life insurance companies will ensure you don’t become a victim of insurance fraud.

What should you ask about life insurance for defense personnel?

Before you sign a policy, there are certain questions that you should ask the life insurance company. Life insurance for defense personnel is different than for others and this will ensure that you’re receiving the right policy for your needs.

Do I need more insurance than is already provided?

If you’re a member of the armed forces, you already have a certain amount of life insurance. But your current policy might not cover everything you need.

Calling the armed forces insurance phone number provided will allow you to discuss your current policy and determine if you need additional coverage.

Are there any war exclusions?

As a member of the armed forces, there’s always the chance that you could be put in dangerous situations.

Many insurance companies have war exclusions, meaning damages caused in war are not covered. Servicemembers Group Life Insurance (SGLI) doesn’t contain this exclusion but private companies often do.

Are there any exclusions in the policy for travel on non-commercial aircraft?

As a service member, you might end up traveling on military aircraft. Should you pass away during this trip, it could affect your payout.

If you expect to travel on non-commercial aircraft, you should ensure there aren’t any exclusions for this type of travel.

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Life Insurance for Defense Personnel: The Bottom Line

Life insurance can be difficult to come by for those in high-risk professions. For this reason, several life insurance companies offer policies designed for the armed forces.

Knowing what to consider when buying life insurance for defense personnel will ensure your family is financially protected.

If you’re searching for life insurance rates for defense personnel, enter your ZIP code to discover the best life insurance quotes in your area.

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