VET STUDY LIFE INSURANCE

Are you with the VA?

No — the VA isn't a life insurance company. I'm the contracted medical underwriter who compares all 26 partnered carriers for veterans.

VA covers my burial for free.

They only cover the plot and headstone. Your family still pays for the service, viewing, and burial/cremation unless 100% disabled.

I don't remember filling this out.

Most vets fill it out for 3 reasons: cover funeral costs, avoid leaving debt, or leave something behind for family.

I'm not interested.

No problem — do you already have your funeral expenses taken care of, or not yet?

You're the 10th person who called.

I understand — but it doesn't look like anyone from our office called. Probably a telemarketer.

I already have coverage.

Perfect. Did you get it recently or years ago?

I have coverage — recent.

What are they charging you? That sounds higher than normal.

I have coverage — years ago.

Do you remember if it was around $15k or $20k? Checking for inflation gaps.

Bad time / I'm busy.

All good — I'll make it quick. Your DOB is ___, right? (If driving/working: reschedule.)

Can you send it in the mail? (Intro)

That's what this process is for — we pick the right plan, then ship it out.

Just show me the numbers.

There are 30 options — my job is to find the lowest one that fits you.

Can you send it in the mail? (Numbers)

Absolutely — after approval, it ships in 7-12 days and you get an e-copy in 24 hours.

I'm just shopping around.

Totally get it — the veteran program already shops all 26 carriers for you. Today is just about getting you approved.

I need to think about it.

Of course — are you deciding which option, or whether to get coverage at all?

Think about it — whether to get coverage.

You said you don't have savings or a policy, right? And you don't want your family stuck with the bill, right? So it's really about which option fits best.

Think about it — which option.

Most vets start with the lowest option to lock in the rate, get approval, and have something in place immediately.

Pushback: still unsure.

You're paying for it, right? It's for your family, right? And you wouldn't get less than the lowest option anyway, right?

Final pushback line.

If your wife said, "Don't get coverage, let me pay the funeral bill," would you actually skip it?

I need to talk to my wife.

Of course — will you two be deciding which option, or whether to get coverage at all?

Wife — whether to get coverage.

You said you don't have coverage or savings for that expense, right? And you don't want her stuck with that, right? So it's really just picking the right option.

Wife — which option.

Most vets start with the lowest option to lock in the rate, get the approval, and have something in place now.

Wife pushback #1.

You're paying for it, right? It's to protect her, right? And you won't pick less than the lowest option, right?

Wife pushback #2.

If she said "Don't get coverage, let me pay for your funeral," would you actually not get it?