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Veterans 50–85: what burial coverage actually costs.

Private whole life you own — not a VA benefit. Your disability rating does not change the price by a dollar. We will also show you how the VA's own program compares.

A real number, before we ask you anything

$92 a month — man, 71, Alabama, non-tobacco, $10,000

Six questions gets you your own number instead of that one. About two minutes. We show you the price before we ask for your phone number — not after.

Call (920) 858-8814

A licensed agent answers with their own name. Monday–Saturday, 8am–8pm your time. No phone tree, no transfer.

Start here

What you've already earned

Before anyone sells you anything, here is what the VA provides. You should know what you already have.

Burial allowance — non-service-connected death	$1,002
Burial allowance — service-connected death	$2,000
Plot allowance — private cemetery	$1,002
Grave, opening and closing, perpetual care — national cemetery	Free
Headstone or marker, burial flag, memorial certificate	Free
Median funeral-home bill, burial with viewing	$8,300

Buried in a national cemetery

VA allowance $1,002 Left to your family about $7,300

Rates effective 1 October 2025. National cemetery burial includes your spouse. In a private cemetery, once plot, marker and interment are added, the gap runs higher.

We would rather give you that number honestly than inflate it. Some veterans read this page and decide they don't need us. That is a fine outcome.

The part nobody tells you

There is a VA program tied to your rating. Almost nobody uses it.

VALife is real VA life insurance. Guaranteed acceptance, no health questions, open to any veteran with a service-connected rating — including 0% — up to age 80. Up to $40,000.

And here is the catch nobody mentions: full coverage begins two years after you apply. If you die inside those two years — of anything, accidents included — your family receives your premiums back plus about 4%, not the coverage amount.

About 52,000 policies have been issued. Roughly 6.3 million veterans draw disability compensation. We will show you how it compares to what we sell, line by line — and if it is the better deal for you, we will say so and send you to va.gov.

Policy counts from VA and the Congressional Research Service. The comparison against the eligible population is our own arithmetic, not a published participation rate.

More than the funeral

The check goes to your family — not to a funeral home.

Whole life pays cash to the person you name — generally free of income tax — and they decide what it does. The funeral is only the first thing on the list. The same money is how families handle everything that keeps arriving in the weeks after:

What families actually use it for

The funeral or cremation, paid in full.The bill everyone plans for — and only the first of them.
Final medical bills and hospice copays.The last months often leave their own stack of paper. The benefit clears it, so your spouse is not on the phone with billing departments while grieving.
Months of the mortgage or rent.A policy this size does not pay off a house — and we will not pretend it does. What it can do is carry the payments while your family regroups, so nobody is forced into a rushed decision about the home.
The lights, the truck payment, the credit cards.Debts get settled out of what you leave behind. Cash on hand means the settling does not eat the things you meant your family to keep.
Getting family to the service.Plane tickets on ten days’ notice are brutal. Plenty of families use part of the benefit just to get everyone in one room to say goodbye.
Leaving something behind, on purpose.Some people buy this with no debts at all — simply so a wife, a grandchild, or a church receives a set amount with their name on it, arranged years ahead and paid when it matters.

And if what you really need is a big policy — enough to clear a mortgage entirely or replace a working income — say so on the call. That is usually term insurance, it costs less per dollar of coverage than what we sell here, and we will point you to it rather than stretch this product past what it is for.

Before you trust anyone with this

Two ways to check us out

We would rather you did. Both take under two minutes, and any agency worth buying from will survive them.

Do these in any order

Ask who the insurance company is.We are the agency; a carrier underwrites the policy. Ask for the carrier's name on the first call and look up its rating yourself. Anyone who will not name it is hiding something.
Read the policy at home.You get 30 days. Read it at the kitchen table, ask your family, and if it is not what you were told, send it back and get every dollar returned.

One more, and it is the one people skip. Nobody legitimate needs your bank account number before you have been approved and said yes. Not us, not anyone. If that question comes early, end the call — you have lost nothing.

Straight answers

The questions people actually ask

Is this the VA, or a government program?

No. The Muster Line is a private service run by Next Gen Brokerage LLC; insurance is offered through Charles Olson, a licensed insurance agent. We are not affiliated with the Department of Veterans Affairs, the Department of Defense, or any government agency. VALife, described above, is a real VA program — and it is not ours.

Does my disability rating get me a better price?

No. A VA disability rating has no effect on what a private burial policy costs. Anyone telling you a 10% rating "qualifies you" for a coverage program is describing something that does not exist. We ask about your rating for exactly one reason: it determines whether VALife is available to you.

Will I be turned down?

Possibly for some plans — and we will tell you before you pay anything. Most people are covered. The five health questions decide which of three plan types you are offered, not whether you are offered one. If nothing we have is right for you, we will say so and tell you what to do instead.

What does "no medical exam" actually mean?

No doctor visit and no blood test. You answer health questions instead, and the company checks your prescription record. Your answers have to be true — for two years the company can review them, and an answer that does not match can void the policy. That is why we ask carefully now rather than later.

Will you ask for my bank information?

Not at any point before you are approved and you have said yes. Not on this page, not on the first call. If anyone asks a veteran for a routing number before an approval, that is the moment to hang up.

Can I change my mind?

Yes. You have 30 days to read the policy at home. Change your mind and get every dollar back — the free look period. It is in every policy we place.

Thanks. Now let us get you a real price.

Five health questions and three quick ones about your service and what you already have. Nothing here disqualifies you — the answers decide which of three plans you are offered, and different companies price the same history very differently.

At the end you will see an actual monthly figure, not a range and not a callback promise. About ninety seconds.

Your price

Here is what it costs.

How much coverage? Tap an amount — your price updates instantly.

The average burial policy sold in America is about $14,500. Nobody needs $50,000, and almost nobody buys it.

$0 a month

$0 a year

Everything on this screen goes straight to your agent — the prices you saw, your answers, and what matters most to you. The call starts where you left off, not from zero.

We did the shopping around for you

What this policy includes

✓ Immediate coverage. On level plans your loved ones are covered from your very first premium — day one. No two-year waiting period like many carriers. The card above tells you which plan your answers qualified for.

✓ Locked-in rate. Your premium never increases, and your coverage never decreases. The price you lock in at this age is the price for life.

✓ Tax-free payout. Your loved ones receive the money income-tax-free. It goes to them, not the IRS.

✓ Living benefit. If a doctor ever gives you a terminal diagnosis of 12–24 months, you can access up to 50% of the benefit tax-free while you are still living. Included with most of the carriers we quote — your agent confirms yours on the call.

✓ Permanent coverage. This is whole life. It never expires on you — not at 80, not at 90, not ever.

✓ Double payout on accidental death. Plans that include the accidental rider pay twice the coverage amount if death is due to an accident. Your agent tells you which of your quotes include it.

✓ Builds cash value. Part of every premium builds savings inside the policy — growing at about 4.5% with the carriers we quote. It is money you can borrow against while you are living, not money down a hole.

Do the math on it

You almost never put in more than the policy is worth. Take $15,000 of coverage at $80 a month — you would have to pay premiums for more than 15 years before you had paid in what your family gets out. Most people never come close to that line, the rate never rises on the way, and the cash value is building the whole time. Your agent runs your exact numbers on the call.

What your family receives

30-day free look. You have 30 days to read the policy at home. Change your mind and get every dollar back.

Before you go further

We do not think this is your product. Here is why.

You told us you have life insurance through work, and that it ends when you stop working. That is the real gap, and it is much bigger than a funeral.

Burial insurance is built to cover a funeral — ten or fifteen thousand dollars. What you are about to lose is likely to be one or two years of your salary. Those are different problems, and this is the wrong tool for the bigger one.

What the two actually do

Term insurance is fully underwritten — a medical exam, blood work, and the company pulls your records. It is more work than this was, and it is not guaranteed to be approved. But at your age it buys roughly ten times the coverage for similar money, and that is not a close call.

We do not sell term insurance, so we do not make anything by telling you this. We would rather be the people who told you than the people who sold you a $15,000 policy while a hundred thousand quietly expired.

That last one is a real option. Plenty of people want a burial policy alongside their working coverage precisely because it does not expire. If that is you, carry on and we will not mention it again.

One more — and it is not about price.

You have already seen your number. This question does not change it. It tells us whether a VA program applies to you — one most veterans have never heard of.

Do you have a VA service-connected disability rating?

When would you like the call?

You have your price. This just tells us when to ring, and how often — you set that, not us.

CO Charles Olson — your assigned agent A licensed agent — his licence number arrives in your confirmation text. Direct line (920) 858-8814

When should we call?

✓Now, if someone is free ✓This evening, 5–8pm ✓Tomorrow morning, 9–11am ✓Schedule an appointment

How many times should we try?

You decide this, not us. We will text you first, from the same number that calls.

✓Once. If I miss it, I will call you back. ✓Twice ✓Up to three times

Anything else?

✓I would like someone to join the callYour spouse, a son or daughter, anyone. Tell the agent who, and we will wait for them.

Get a second pair of eyes on this

We will send your price, the waiting period if there is one, and the agent's name and licence number. Nobody is added to a call list — we do not keep this person's number.

Who is it?

Your wife, your son, a friend from the post. Whoever you would actually ask.

Their phone number or email A line from you

Put it in your own words. Without a line from you it lands on their phone as a cold notice, and that is not what this is.

Email this to me

Your price, your plan type, what your family would receive by year, and our number. No follow-up unless you ask for it.

Your email

Veterans 50–85: what burial coverage actually costs.

Veterans 50–85: what burial coverage actually costs.

What you've already earned

There is a VA program tied to your rating. Almost nobody uses it.

The check goes to your family — not to a funeral home.

Two ways to check us out

The questions people actually ask

Thanks. Now let us get you a real price.

Here is what it costs.

How much coverage? Tap an amount — your price updates instantly.

We do not think this is your product. Here is why.

What the two actually do

One more — and it is not about price.

When would you like the call?

Get a second pair of eyes on this

Email this to me

That is it.