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Armed Forces Mutual Blog

How VAWL Works Harder as You Age

2025-08-20

Your military life is full of transitions, every day. Depending on where you are in your career, you have experienced — or you will experience — enlistment, deployments, PCS moves, civilian reintegration, and more. And although your professional, personal, and financial needs and goals will adapt with your changing circumstances, there is one thing that should stay consistent so you can gain the biggest benefit from it: your life insurance coverage.  

Why does life insurance impact your well-being, and what does age have to do with it? Life insurance provides a financial safety net for your loved ones when you pass, which can give you and your family peace of mind over the years. But you can also reap the rewards of life insurance by building cash value throughout your lifetime, without the worry of losing your investment in it. 

Some types of life insurance, such as Variable Life Insurance, put money in various investment options, the performance of which directly impacts your cash value as well as the death benefit of the policy. While this can be a good option for some, it does come with risk. 

On the other hand, a whole life insurance policy, such as Value-Added Whole Life, will grow with you, rather than fluctuate with the market. It’s a lifelong financial tool designed to work in the background and grow stronger over time, allowing you to focus on other big personal and financial milestones, such as buying your dream home, sending kids off to college, starting a business, moving into retirement, and more. 

It also helps you achieve your ultimate mission, to keep your loved ones safe and protected. Once it’s needed, Value-Added Whole Life insurance will help your family cover final expenses or even help them continue on by covering things like mortgage payments, college expenses, and more.  

Benefits of Value-Added Whole Life 

Because it’s a type of permanent life insurance, Value-Added Whole Life stays with you through every stage of life, providing essential coverage until you pass away or cancel the policy. You can count on: 

  • Fixed Premiums for Life: The rate you lock in now will never change. You won’t face any surprises later — even if your health changes or you age into retirement. 
  • Guaranteed Death Benefit: Your loved ones will receive a secure, tax-free payout — no matter when the policy is needed. 
  • Guaranteed Cash Value Growth: Each year, your policy builds value that’s yours to access — whether for emergencies, education, or supplemental income in retirement. 
  • Policy Loans with Flexibility: You can borrow against your cash value without disrupting the death benefit — and there’s no need to justify how you use the funds. 

Plus, you don’t have to be on active duty to qualify — this coverage is also available to Veterans and retired servicemembers, their spouses and children up to age 80, and grandchildren under 24 years old.  

Why Permanent Life Insurance Matters  

As a servicemember, you know the value of planning and the importance of being ready. Securing a permanent life insurance solution makes planning for the future easy — it’s protection you can rely on to be there for your family members when they need it. That’s something traditional insurance that is tied to market performance cannot do — it could actually leave your future uncertain.  

Permanent life insurance provides: 

  • Stability through military retirement 
  • Support for your spouse and family no matter what 
  • Liquidity you can tap without jumping through hoops 
  • Peace of mind that grows over time 

Real Value. Real Growth. For Real Life. 

Your service doesn’t end when your uniform comes off — and neither should your life insurance coverage. Choose a policy that will give you peace of mind much, much longer than a typical life insurance term. Get the details on Value-Added Whole Life and get a quote today.