Posted on Sep 23, 2022
SSG Motor Transport Operator
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I know about VGLI, however the premium increases every four years. The VA has also deemed me at 100% on VA Compensation. I realize that it will be difficult to get approved life insurance after an exam due to my life term medical issues that the army will be paying for.
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PV2 Larry Sellnow
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Check with USAA
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LTC Plans Officer (G5)
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SSG (Join to see)... you need to do your own research regarding Life Insurance. Not sure why the other poster is discussing Whole Life vs. Term. But there are important issues that you need to think about before buying an Insurance product. 98% + of Term policies issued to customers are never paid out by the insurance company. That's because most term policies are issued for 10-20 year increments, and term becomes VERY expensive the older a person gets. It's really just temporary insurance & I'd recommend that if you do chose this option, get a return of premium rider (ROP) that pays you back all your premiums you've paid into the policy.

Whole life however, is just that- it's insurance for your whole life. And most of these policies are kept by the client and pay out when the person dies (there are riders you can get that allow for payouts for catastrophic diseases like cancer too). All the client has to do is keep paying the premium to keep the policy. You could also choose the 10-15 year paid up insurance, where you pay those amount of years, then you stop paying premiums.

There are many good insurance companies out there, some military related: Army Air Force Mutual Aid Association (AAMAA) is one. USAA is another. You could choose to have a term policy & also a whole life policy to protect against financial uncertainties. But please do you own research too, there might be civilian companies that offer better rates than military affiliated companies.
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A1C Medrick "Rick" DeVaney
A1C Medrick "Rick" DeVaney
2 mo
Why Is It, Every Time It Comes To ANY Event, Which Affects Peoples Lives, NONE Of These Things Have Been Dealt With In Our "Lack-Of-Education Systems Or Taught In a Class Room? We've YET To Teach The Simplest Of Business Or Finances As To Balance a Damned Check Book... While Money Is One Of The Most Important Things We Have To Deal With In Our Lives, We Haven't Been Taught SH*T About It In Our Schools?
I Mean "F-KNG ZERO".!! . We DKS.! 13 YEARS Of Placing Their Az In a Class Room Chair, Receiving Praise As They're Getting That Precious Diploma, Then Not Even QUALIFYING For ANY Form of Employment On This Frig';en PLANET. ..
Makes ME SO Glad I'm a Mid 9th Grade DROP OUT & Educated MYSELF....
That's WHY I'm So ANGRY With Our Schools, I Did Something For MYSELF They Never Even THOUGHT Of ~~ I'm Actually "EDUCATED".....
Those Son-Of-A-Ditches.!!! FUGEM.!
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SSG Motor Transport Operator
SSG (Join to see)
2 mo
Thanks sir
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A1C Medrick "Rick" DeVaney
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Edited 2 mo ago
Perhaps One Of These May Be Of Assistance...
Much Further Down, Because I've Added Some Comments:
Like These:
HOWEVER, Having Sold This Crap, "Whole Life" Is The Most Expensive...
Ask About "Term Life". Term's a Much Better Deal IF They'll Let You Buy It.
They'll ALWAYS Try Selling You "Whole" By Telling You "You Can Borrow From It",
And You CAN, A few Years Later,
Yet You're Charged Interest On What You THOUGH Was "Your Money".....
. But It Don't REALLY Work That Way.
FOLKS?..If You're Purchasing "Whole Life"
Ask About Changing Your Coverage To "Term Life"......
They'll Try Convincing You To Keep The Whole Life Because,
"It's One HELL Of a Profit Maker"
But....DON'T DO IT !!

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SSG Motor Transport Operator
SSG (Join to see)
2 mo
Thanks ⭐️⭐️⭐️
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