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The VA DisabilityADVOCATE

What The VA Won’t Put In Writing

Declassified

Description

We decode the evidence rules, exam traps, and rating tricks the VA won’t spell out, then fight to win what you earned.

Notes

Information here is free. Optional accredited representation, no fees unless you win.

Free Consultation702-992-4883
VA-ACCREDITED CLAIMS AGENT #45147DENIALS REOPENEDLOW RATINGS CHALLENGEDC&P EXAMS AUDITEDEFFECTIVE-DATE & CUE HUNTSTDIU · SMC · PACT ACTNO WIN, NO FEE ON 20% OR 30% REPRESENTATION · $750 FLAT MISSION 5 BRIEFGOVERNED BY 38 CFR §14.636SECONDARY CONDITIONS LINKEDTERA & TOXIC-EXPOSURE CLAIMSBOARD & HIGHER-LEVEL APPEALSFREE CASE REVIEW, ASK A QUESTIONVA-ACCREDITED CLAIMS AGENT #45147DENIALS REOPENEDLOW RATINGS CHALLENGEDC&P EXAMS AUDITEDEFFECTIVE-DATE & CUE HUNTSTDIU · SMC · PACT ACTNO WIN, NO FEE ON 20% OR 30% REPRESENTATION · $750 FLAT MISSION 5 BRIEFGOVERNED BY 38 CFR §14.636SECONDARY CONDITIONS LINKEDTERA & TOXIC-EXPOSURE CLAIMSBOARD & HIGHER-LEVEL APPEALSFREE CASE REVIEW, ASK A QUESTION
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Veterans Life Insurance
Veterans Group Life Insurance

VGLI Premium Calculator

Estimate your monthly Veterans Group Life Insurance premium by age and coverage amount, using the current 2026 VA rate table.

VGLI premium rates effective July 1, 2025. Coverage from $10,000 to $500,000. Note: VGLI premium rates change on July 1, which is a different schedule from VA disability compensation, those rates change every December 1 with the annual COLA. So the effective date here will not match the dates you see on our disability pay calculators.

Understand VGLI before you estimate

VGLI is simple to price once you know your age band and coverage. Here is what to keep in mind. Read these cards before you touch the numbers. A calculator only multiplies what you feed it, and the VA only pays what your file proves. If a card describes your situation, write down where the proof lives: a DD-214, a rating decision, a marriage or death certificate, a medical record. If you cannot point to the paper, treat that line of your estimate as a question, not a promise.

What VGLI is: a veteran couple reviewing a life insurance policy at their kitchen table

What VGLI is

Veterans Group Life Insurance lets you convert your military SGLI coverage into renewable civilian term life insurance after you separate, with no medical exam if you apply within the deadline.

Premiums rise with age

Premiums rise with age

VGLI premiums are based only on your age and how much coverage you carry. As you move into a new age band, the monthly rate per $10,000 of coverage increases, so it pays to plan ahead.

Apply on time: a recently separated veteran filling out his VGLI application next to a wall calendar

Apply on time

You can apply within 1 year and 120 days of separation. Applying within the first 240 days means no health questions at all. Coverage is available from $10,000 up to $500,000, in $10,000 increments.

1

Your age

2

Coverage amount

Choose your coverage (available from $10,000 to $500,000 in $10,000 steps).

Estimated monthly VGLI premium

Enter your age and pick a coverage amount to see your estimated premium.

Review my disability rating 702-992-4883

VGLI premiums are set by the VA by age band and coverage amount. This estimate uses the rates effective July 1, 2025. VGLI rates update on July 1, not December 1 like the disability-compensation COLA, that is why this date differs from our disability pay pages. An accredited agent (Accreditation #45147) should review your specific situation.

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Make sure you are getting every benefit

Life insurance is just one piece. If your disabilities have worsened, you may be owed a higher rating and thousands more each month. An accredited agent can review your claim. No fees on representation unless you win. Here is your part before you pick up the phone: pull your most recent rating decision, your DD-214, and a list of every condition you are treated for today, service connected or not. Bring the estimate you just ran. If the number on your screen is higher than the number on your award letter, that gap is the conversation. The VA will not call you to point it out. Under 38 CFR 3.103 you have the right to see the evidence and to be heard, but only you can use it.

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Explore every VA benefit calculator

Free, no sign-up. Each estimate is a starting point, an accredited agent turns it into a strategy that finds the ratings and benefits the VA missed. Every calculator below runs the same rules the VA uses, from the combined ratings table in 38 CFR 4.25 to the current compensation rates. Your part is simple: enter what is actually on your rating decision, not what you hope it says. If the number you get does not match what the VA pays you, that gap is worth a second look.

The Veterans We Fight For

Real Veterans. Real Claims. Real Outcomes.

Every case on this desk belongs to someone who served. These are the veterans this practice represents, across every era, branch, and condition: the Vietnam vet who was told it was too late, the Gulf War vet the system called a mystery, the young veteran who walked out of a five minute exam with a zero. Different stories, same fight. The record decides the claim, so we build the record.

An older veteran standing with an American flag behind him
Veteran Representation
A veteran standing outside a VA medical center
Veteran Representation
A young veteran waiting for his VA appointment
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Watch: how the VA evaluates claims

While you plan your insurance, make sure your disability rating reflects your current health. Watch it once before you file and again before any exam. The VA has a duty under 38 CFR 3.159 to help you gather records, but it has no duty to argue your case for you. Take notes on what the examiner is expected to ask, then make sure your own records already answer it.

How VA Disability Compensation Works

How VA Disability Compensation Works

A woman veteran writing in a symptom journal at her kitchen table beside a pill organizer
Your responsibility as a veteran

Your Part in This Is Not Optional

I will be straight with you. No advocate on earth can win a claim for a veteran who will not do his or her part. The VA decides on the record, and you are the only person who can build the medical side of that record. We do the legal and forensic work. You do yours. Here is what that means, every single time:

  • See a doctor and get every symptom written into your medical record. If it is not on paper, the VA treats it as if it never happened.
  • Keep a symptom journal. Dates, flare-ups, missed work, the nights you did not sleep. That is the evidence of how this condition actually runs your life.
  • Answer every VA letter and every request for evidence before the deadline. Silence gets claims denied.
  • Show up to your C&P exam and describe your worst days honestly. Do not tough it out in that room. Do not exaggerate either.

You do your job and we will do ours. That is how claims get won.

Choose Your Service

The Three Services

We offer three completely separate services, kept distinct on purpose so you know exactly what you are buying, what it costs, and how it is paid. These are not tiers of one agreement, you choose the single option that fits your situation.

Two are contingency representation with no cost up front; they differ by how hard the case is and how the fee gets paid. The third is a flat-fee forensic report for the veteran who wants to fight the claim himself.

An accredited claims agent and a veteran reviewing a clean, single-issue appeal together
Option 1

Standard Direct-Pay Representation

20% of back pay

No cost up front, nothing out of pocket. The VA withholds our fee and pays us directly under §14.636(h). Best for cleaner, more recent, single-issue denials, routine higher-level reviews, supplemental claims, and rating increases, carried all the way to the Board of Veterans’ Appeals.

See full details
An advocate reviewing a veteran's decade-deep claims file
Option 2

High-Complexity Representation

30% of back pay

For high-complexity cases, long claim histories, prior Board denials, CUE, complex effective-date and TDIU fights, multi-issue toxic exposure. Still no cost up front. Because the VA pays a rep only up to 20% directly, the VA sends your full retro to you and we invoice you directly for the 30%. Lawful, but never entered into lightly.

See full details
A forensic file audit in progress
Option 3

Mission 5 Intelligence Brief

$750 flat

A standalone forensic file review and written road map, not representation. For the veteran with a tough, older case who wants to fight it himself and keep 100% of his back pay. We audit your file, show you every error, and hand you the plan. Available only to veterans who already have a VA decision.

See full details

The exact contingency percentage on your case is set in a written agreement by the complexity of the work, always within the maximum the law allows. Federal-court litigation, if it is ever needed, is a separate, pre-agreed arrangement.

A veteran shaking hands with his VA-accredited claims agent after reviewing his claim
Denied or under-rated?

Talk to a VA-accredited claims agent about your claim

Albert L. Thombs Jr. is a US Army veteran, VA-Accredited Claims Agent #45147, and 100% service-connected himself. He personally reviews every request. Fees are capped by 38 CFR §14.636, and there are no fees on representation unless you win.

702-992-4883

Mon–Fri, 11AM–6PM Pacific

Questions are always free. The Mission 5 Brief is $750 flat.