Benefits for Veterans was created because 90% of the vets I (Ben) ran across while living near a base in NC, had little to no idea how their VA benefits worked, especially life insurance. Once I started to see the aftermath of a family dealing with a death and no money for the funeral let alone the expenses left behind, I knew it was a bigger issue. I started Benefits for Veterans as an informational hub to educate vets on the things they can, and can’t get from the VA. Many vets feel exploited by people that try to sell things to them, so it is very important every agent representing B4V understands they are there to explain and guide vets or their family through the process of protecting themselves and their family where the VA will not.
| Feature | VA Life | VGLI | VA Burial Benefits |
|---|---|---|---|
| Who It's For | Veterans with service-connected disabilities (0-100%) | Veterans transitioning from active duty with SGLI | Honorably discharged veterans |
| Coverage Amount | Up to $40,000 | $10,000 to $500,000 (increments of $10K) | Service-related: Up to $2,000 Non-service: $300 - $796 |
| Premiums | Fixed for life, based on age at enrollment | Increases with age (not fixed) | None (this is not life insurance) |
| Guaranteed Acceptance | ✅ Yes, no medical exam required | ✅ Yes, if enrolled within 240 days ⚠️ Medical underwriting required after |
❌ N/A |
| Cash Value | ❌ None | ❌ No, it's term life insurance | ❌ No |
| Payout | Tax-free death benefit to beneficiaries | Tax-free death benefit to beneficiaries | Partial reimbursement of funeral costs |
| Key Limitation | Max coverage is only $40,000 | Premiums get very expensive with age | Does NOT provide full life insurance coverage |
Optional — listen through this call to hear Ben’s delivery, pacing, and tone.
Line:
“So this is Benefits for Veterans. We help you figure out if the VA is your best option, or we have partner programs that are usually a little cheaper…”
What He Did:
Ben opens the call by lightly disarming any preconceptions. Veterans might assume this is a VA sales call, but by saying "we help figure out if the VA is your best option," he positions himself as an advisor, not a salesman. He then introduces “partner programs” as usually better, planting the idea that they’ll probably want what he’s offering — without pushing it yet.
Context:
The caller was likely skeptical or confused about whether this was government-related. This opener reframed the call, avoided the "government" trap, and created space for a value comparison.
Line:
“If you’re healthy, I would highly recommend looking at... our partner programs.”
What He Did:
This statement rewards the customer for being healthy — instead of just ticking off questions. It subtly builds status: “You're one of the good ones, so you get access to better stuff.” It shifts them into a mindset of deserving better than the default (VA), and makes the private plan feel like an upgrade they’ve earned.
Context:
This came right after Ben had asked about the client’s health background. It served both as a transition into policy options and as a compliment — getting buy-in before the quote.
Line:
“Term life… lasts 10–20 years, and if you live through it, you don’t get anything… Whereas whole life builds cash value. Worst case, you can get your money back.”
What He Did:
Ben uses super simple language to break down an otherwise confusing distinction. By emphasizing that term insurance has no payoff if you live, and whole life builds value, he shifts the conversation from “how much does it cost?” to “what’s the best investment?”
Context:
This explanation came right when the customer was asking about options — and likely just wanted “what’s the difference?” This soft education positioned the better product (whole life/IUL) as the obvious choice.
Line:
“I’d say it’s a good idea to leave about 6 months to 2 years of house payments for your spouse…”
What He Did:
Instead of asking, “How much coverage do you want?” (which leads to a lowball), Ben starts with a life event — your spouse needing to pay the house — and assigns value. This method ties the price to real-world impact and helps justify a higher monthly premium.
Context:
The client wasn’t sure how much coverage was needed. Ben stepped in with leadership and gently led her toward a number that was emotionally and practically defensible.
Line:
“They do bank drafts because terrorists and organized crime launder money through life insurance…”
What He Did:
This line is absurd — and perfect. It flips a common objection (“I don’t want to give my routing number”) by explaining the why behind the rule in a way that feels like secret knowledge. Suddenly, the request isn’t suspicious — it’s part of anti-terrorism compliance. He’s not forcing them; he’s letting them in on the “why.”
Context:
Came exactly when the client hesitated to give bank info. Rather than get defensive, he leaned into it with a curveball explanation that neutralized their suspicion and allowed him to move forward.
What He Did:
Throughout the call, Ben stays on the line through every hurdle: email trouble, login issues, questions about forms. His tone is chill, never annoyed, and that low-pressure vibe builds serious trust.
Context:
This part isn’t about any one line — it’s about the feel. A lot of reps get impatient or rush the tech part. Ben uses it to prove he's not just trying to close and run — he's a helper.
Hey is this ______?
(Client response- if given an objection, please see objections below for how to handle)
Great, this is ______, with Benefits for Veterans, how’s it going?
(Client response)
What does Benefits for Veterans do?
[FOR SECOND CHANCE: do you remember anyone reaching out about a month ago from Benefits for Veterans?
Ok great, well your file is still open so it looks like we haven’t helped you yet, do you remember what it was you were looking for back then?]
“Before I get started”…(ask for the following)
Ok, let’s see what we can do for you. Now, before I ask you some health questions, do you know what Benefits for Veterans does for vets?
(Client response)
You probably know this by now but the VA doesn’t have many life insurance options for veterans and most veterans can’t even qualify for them due to the VGLI application window being only 120 days after being discharged… So, we help veterans understand how these VA coverages work, how to get them, and what partner programs might be a better fit for them.
Now, are you aware of the different types of life insurance, and how they work?
(Client response.. if now, then explain)
Which one sounds right for you?
(Client response)
Great, now I just need to ask a few health questions and we can see which company will give you the best rate!
Health Questions- If client says yes to any of the below- make sure to ask about medications, when they were diagnosed with it, and any other relative information.
Now, let’s say you don’t come home tomorrow… will your family members be able to handle the expenses?
(Client response)
Great question, we actually exist to help vets understand what the VA offers and doesn’t, and we offer partner programs that help vets get the best and lowest cost life insurance available. Are you aware of how the VA’s life insurance policies work? (see VA life programs)
Awesome, and just so I’m not telling you what you already know, do you currently have VA coverage or personal?
Ah gotcha, do you have a rating now? No? Ok so we want vets to know the process to increase their rating because it’s long and doesn’t guarantee they’ll receive anything. What you’ll have to do is prove beyond a reasonable doubt that you’re fully disabled which will disqualify you from any kind of quality or cost effective life insurance and you’ll be stuck paying 100s for a basic burial policy. So you can have both but we HIGHLY recommend taking care of your family’s financial needs first then applying for your rating.
And you said you only have the life insurance the VA offers right?
– (last question is super important because $300-2k isn’t enough to cover basic burial, let alone leave anything for the family. At this point it’s a regular appt.)
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