Independent Life Insurance Agency | Scottsdale, AZ
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  • Proudly Serving Those Who Served

You Served Your Country.

Now Let Us Protect Your Family.

The VA’s life insurance program requires a 2-year waiting period before full coverage kicks in. As an independent brokerage, we can get you covered right now — with no waiting period, through A+ rated carriers.
Serving veterans across Texas, Arizona, Nevada, Colorado & Utah.
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(602) 619-2228
  • No 2-Year Waiting Period
  • No Medical Exam for Many
  • A+ Rated Carriers
  • Important Information for Veterans

The VA's 2-Year Waiting Period Could Leave Your Family Unprotected

Many veterans are surprised to learn that the VA’s life insurance program (VALife) enforces a mandatory 2-year waiting period before full death benefits take effect. During those two years, if something happens to you, your beneficiaries would only receive the premiums you’ve paid — plus interest. Not the full death benefit.
VALife also caps coverage at just $40,000 — which may not be enough to cover funeral costs, outstanding debts, and your family’s ongoing financial needs.
That’s where we come in. As an independent insurance brokerage, we work with multiple highly rated carriers that can provide immediate coverage — no 2-year wait required.

VA Life Insurance (VALife)

2-year mandatory waiting period for full benefits

Maximum coverage of only $40,000

If you pass during waiting period, only premiums + interest paid out

Limited to veterans with service-connected disabilities

No cash value or borrowing options

Through A-Z Legacy Life

  • No waiting period — coverage starts immediately
  • Coverage amounts from $5,000 to $50,000+
  • Full death benefit paid from day one
  • Available to all veterans, regardless of disability status
  • Many policies approved without medical exams

Here's How We Help Veterans

Independent Brokerage

We're not tied to one insurance company. We shop multiple A+ rated carriers to find the best coverage and price for your situation.

Veteran-Friendly Carriers

We work with carriers that understand and respect military service. No penalties for your service record — only respect.

Same-Day Decisions

Many of our veteran clients receive a coverage decision the same day they apply. No weeks of waiting or uncertainty.

Personal Service

You'll speak directly with a licensed agent who takes the time to understand your needs — not a call center or automated system.

What Final Expense Covers

Funeral & burial costs

Average funeral costs range from $7,000 to $12,000+

Outstanding medical bills

Ensure your family isn't burdened with unpaid medical debt

End-of-life expenses

Legal fees, probate costs, and estate settlement

Financial support for loved ones

Give your family breathing room during a difficult time

Did you know? The average cost of a funeral in the United States is over $9,000. Without a final expense policy, these costs fall directly on your family — often at the worst possible time.

One Policy, Multiple Benefits

Final Expense Insurance: The #1 Choice for Veterans

Final expense insurance (also called burial insurance) is specifically designed to cover the costs that come at the end of life — so your family doesn’t have to. It’s the most popular type of coverage among veterans, especially those age 60 and older.
Unlike the VA’s program, our final expense policies through private carriers offer immediate coverage with affordable monthly premiums. Most veterans can qualify regardless of pre-existing health conditions.
  • Coverage amounts typically range from $5,000 to $50,000
  • Premiums are locked in and never increase
  • Benefits are paid directly to your beneficiaries, tax-free
  • Simplified or guaranteed issue — no medical exam needed
  • Coverage lasts your entire life — it never expires
Get a Free Final Expense Quote

Why Veterans Trust A-Z Legacy Life

At A-Z Legacy Life Insurance, we’re proud to stand alongside the brave men and women who have served our country. Veterans deserve clarity, respect, and protection — and that’s exactly what we deliver.

No 2-Year Waiting Period Required

As an independent insurance brokerage representing multiple highly rated carriers, we don't have to wait for the VA timeline. We work with A+ rated insurance companies that offer coverage without the traditional 2-year wait. Your family is protected from day one.

Fast Decisions — Often Without Exams

Most of the policies we place can be pre-approved quickly based on your health history. For many applicants, an instant decision can be made — with no medical tests. That means no bloodwork, no urine tests, and no physical exams required.

Veteran-Focused Guidance

We understand veteran benefits, and we work one-on-one to help you find the coverage that fits your unique needs and lifestyle. Whether you're planning for protection now or securing peace of mind for your family later, we'll guide you through every step.-

What Veterans Are Saying

“I had no idea the VA had a 2-year waiting period. My agent at A-Z Legacy explained everything clearly and got me covered the same week. My wife and I finally have peace of mind.”

Robert M.

Army Veteran, AZ

“At 67 with some health issues, I thought getting life insurance would be impossible. A-Z Legacy found me a final expense policy with no medical exam and affordable monthly payments. They made it easy.”

William S.

Marine Veteran, TX

“The team at A-Z Legacy treated me with the respect I deserve as a veteran. They didn’t try to sell me something I didn’t need — they listened and found the right coverage for my family.”

Thomas H.

Navy Veteran, NV

Licensed & Serving Veterans Across the Southwest

No matter where you’re located in our service area, we’re ready to help you get the coverage you deserve.

Texas

America's trucking capital

Arizona

Major freight corridor

Nevada

No state income tax

Colorado

Mountain route hub

Utah

Crossroads of the West

Common Questions from Veterans

Why does the VA have a 2-year waiting period?
The VA’s life insurance program (VALife) uses the 2-year waiting period in place of medical underwriting. Instead of evaluating your health to determine eligibility, they accept all qualifying veterans but delay full benefits for two years. During that time, if you pass away, your beneficiaries receive only the premiums paid plus interest — not the full death benefit.
Yes. As an independent brokerage, we work with multiple A+ rated private carriers that offer immediate coverage with no waiting period. Your full death benefit is in effect from day one of your policy.
In many cases, no. We offer both simplified issue policies (based on health questions only) and guaranteed issue policies (no health questions at all). Many of our veteran clients are approved without any medical exams, bloodwork, or physical tests.
Premiums depend on your age, health, and coverage amount. Final expense policies typically range from $5,000 to $50,000 in coverage, with monthly premiums that are designed to be affordable on a fixed income. Contact us for a free, personalized quote.
Yes. Many veterans choose to supplement their VA coverage with a private policy to ensure they have adequate protection. There’s no rule against having multiple life insurance policies.
We work with carriers that specialize in coverage for people with health conditions. Guaranteed issue policies are available that require no health questions at all — meaning you cannot be turned down regardless of your health status. Premiums may be slightly higher, but coverage is guaranteed.
  • Free & Confidential — No Obligation

You Served Without Hesitation.
Get Protected Without the Wait.

Get a free, personalized quote in minutes. No pressure, no obligation — just honest guidance from a licensed agent who respects your service and understands your needs.

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