https://www.loom.com/share/d5e1b61fc18f41f69bf824a7f436ba2f

Direct link to site

[VA.govWebsite ](https://www.va.gov/life-insurance/options-eligibility/)

Insurance Options

While In Service

• SGLI (Servicemembers’ Group Life Insurance)
  • Active duty coverage only

Post-Service Options

• VGLI (Veterans’ Group Life Insurance)
  • Available up to 1 year + 120 days after leaving service.
  • Prices increase with age.
  • Sales Pivot: Ask, “Can you afford that price as it keeps increasing?” → Move them toward Permanent Level Coverage.
• VA Life (Replaced SDVI)
  • Always comes with a 2 year waiting period
  • paying 2 years into the policy befor fully covered regardless of health
  • if death in first 2 years its money back plus 3% (our options are 10%)
  • Managed by Prudential (3rd party).
  • Requires an SDR rating to qualify.

Educate Before Quote

• Builds trust and credibility with Veterans.
• Helps uncover health conditions tied to benefits and insurance needs.

Key Questions to Ask Veterans

1. What SDR % do you have?
   • Ranges from 0%–100%.
   • Determines benefits, healthcare eligibility, and monthly compensation.
   • Example: 100% SDR ≈ $4,200/month.
2. Health-Related Exposures
   • Agent Orange → respiratory issues, long-term health problems.
   • Burn Pits → toxic exposure, cancers, respiratory conditions