Answer a few simple questions to receive your personalized whole life coverage estimate — no medical exam, no obligation, results in under 3 minutes.
No Medical ExamRates Locked for LifeUnder 3 Minutes2,400+ Veterans Served
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Service Record
Which branch of the military did you serve in?
Select the branch that applies to you or the veteran you are applying on behalf of.
Army
Navy
Air Force
Marines
Coast Guard
National Guard
Age Range
What is your current age?
Your age is the primary factor in determining your monthly rate. Locking in coverage sooner guarantees you a lower premium for life.
45 – 54 years old
Widest range of coverage options at the most competitive rates
Best Rates
55 – 64 years old
Strong coverage options still available at competitive rates
65 – 74 years old
Affordable whole life plans designed for your age group
75 or older
Guaranteed acceptance plans available regardless of health history
Health Profile
How would you describe your overall health?
Please answer as accurately as possible. Your health determines your policy type and rate tier. No medical exam is required.
Excellent
No significant conditions — non-smoker, healthy weight, no major medications
Lowest Rate
Good
Minor conditions well-managed — controlled blood pressure, minor arthritis
Fair
Ongoing conditions — diabetes, COPD, history of heart disease or cancer
Graded Benefit
Poor or Multiple Serious Conditions
Multiple serious diagnoses or previously denied coverage elsewhere
Service Preference
Are you planning for a burial or a cremation?
This helps us calculate the right coverage amount for your specific end-of-life wishes. Costs vary significantly between the two options.
Traditional Burial
Casket, burial plot, funeral service, headstone
Typical cost: $10,000 – $20,000
Cremation
Cremation service, urn, memorial gathering
Typical cost: $3,000 – $10,000
I Haven't Decided Yet
We will base your estimate on the national average for planning purposes
Existing Coverage
Do you currently have any life insurance or burial coverage in place?
This helps us determine whether you need full coverage or are looking to add to what you already have.
No — I have nothing in place
I have no life insurance or burial policy currently active
Most Common
Yes — I have some but need more coverage
I have a policy but it will not cover my full expenses
Yes — I want to compare and possibly switch
I have coverage but want to see if I can get a better rate
Coverage Goal
Do you want to leave extra money for your loved ones beyond just your funeral costs?
Many veterans choose to leave a financial legacy on top of covering burial costs. This determines your recommended coverage amount.
Just cover my funeral and final expenses
I want my family to handle my burial without any financial burden on them
Cover my expenses AND leave extra money behind
I want my loved ones to receive funds beyond just the burial costs
Legacy Plan
Beneficiary
Who would be the primary beneficiary of this policy?
The beneficiary is the person who receives the death benefit. This is not binding — it helps us personalize your results.
Spouse or Partner
Your husband, wife, or long-term partner
Child or Children
One or more of your children, including adult children
Parent or Sibling
Another close family member
Other individual or my estate
A trusted individual, organization, or your estate
Location
Which state do you currently reside in?
Coverage options and specific rates are regulated at the state level. We are licensed and approved in all 50 states.
Coverage Amount
How much coverage are you looking for?
We've set a recommended amount based on your answers. Adjust the slider up or down to match your wishes and budget.
$15,000
Coverage Amount Selected
Estimated monthly premium for this coverage
—
Fixed for life of policy
$3K$5K$7.5K$10K$15K$17.5K$20K$22.5K$25K
Final Question
What is your biggest concern about getting coverage?
Your licensed advisor will address this directly during your consultation.
Finding a plan I can comfortably afford
We specialize in finding affordable rates for veterans on fixed incomes
Getting approved with my health history
No medical exam is required — simplified underwriting available
Making sure I have the right amount of coverage
Your personalized estimate is designed to match your actual needs
Finding a company I can trust
State-approved program · 2,400+ veterans served · A-rated carriers only
Analyzing Your Profile
Calculating your personalized whole life coverage estimate...
Your Estimate Is Ready
Where should we send your personalized coverage report?
A licensed Patriot Legacy Benefits specialist will review your results and may contact you to go over your options at no cost or obligation.
Your information is kept strictly confidential and will never be sold to third parties. By submitting you consent to be contacted by a licensed representative regarding your estimate.