The VA burial allowance covers only a fraction of a typical funeral. Most veterans buy a modest final expense policy to close that gap — protecting their spouse and children from thousands in out-of-pocket costs while preserving the honor of a full service.
Available to all U.S. veterans ages 50–85 and their spouses. Service-connected conditions rarely disqualify — most carriers focus on current health, not military history.
For veterans in good current health — best rates and immediate full coverage.
For those with PTSD medications, cardiac issues, or diabetes — full coverage after 2–3 years.
For veterans previously declined due to service-connected disabilities.
No. The VA typically pays $828–$2,000 for non-service-connected deaths and up to $2,000 for burial plus transportation for service-connected deaths — well below the average $8,000–$12,000 funeral.
Rarely. Final expense carriers evaluate current health, not military history. Most veterans qualify for either simplified-issue or guaranteed-issue plans.
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