Marc Sigmon Insurance Agency is proud to support fellow veterans with trusted guidance on benefits and resources.
Military & Veterans
Serving Those Who've Served
At Marc Sigmon Insurance Agency, we understand the unique financial challenges and important decisions that come with transitioning from military service. Whether you’re preparing to separate, newly retired, or a veteran navigating your benefits, we're here to help you make sense of your options—and protect your family’s future.
Survivor Benefit Plan (SBP) vs. Life Insurance
A common question we hear from retiring service members is: "Should I take the Survivor Benefit Plan or purchase life insurance instead?"
While the SBP provides a continuing income to your spouse after your death, it comes with important trade-offs:
- It typically covers only one life (yours).
- Your pension is permanently reduced to fund the plan.
- The death benefit is not guaranteed if your spouse passes away first.
- You may pay into it for decades, yet it could benefit your family for only a short time.
We recognize that the Survivor Benefit Plan is often the only benefit automatically designated for a spouse. After years of supporting the demands of military life, spouses deserve thoughtful planning and protection.
At Marc Sigmon Insurance Agency, we believe you should not be forced into an "either-or" decision.
In many cases,
a combination of SBP and private life insurance can provide broader protection and greater flexibility.
Every family’s needs are different.
Our role is to guide you through your options, explain the advantages of each strategy, and help you build a plan that best supports your family’s future.
Navigating Life Insurance After Service
One of the first priorities for separating service members is securing a VA disability rating—and rightly so. It provides vital income and support. However, many don’t realize that your rating, along with your complete medical history, plays a major role in the life insurance underwriting process.
Service-connected conditions—such as PTSD, injuries, or chronic illnesses—aren’t evaluated with a one-size-fits-all approach. Underwriters assess your entire medical history, treatments, medications, and long-term prognosis.
Our role is to advocate for you.
We tell your story accurately, ensuring that you're evaluated fairly and respectfully—no blanket assumptions, just a tailored approach based on your unique experience.
Purpose-Driven Life Insurance Planning
Understanding the types of life insurance available is just as important as understanding their features and benefits.
At Marc Sigmon Insurance Agency, we believe that every life insurance policy should have a clear and specific purpose. It’s not just about purchasing coverage—it’s about building a strategy that fits your goals and protects your loved ones.
Many of our clients are surprised to learn that it’s possible—and often wise—to own more than one policy, each designed for different needs.
This is part of what sets us apart:
We don’t just focus on cost. We take the time to explain your options, how different policies work together, and help you build a comprehensive, personalized plan.
Every policy should have a purpose.
We take the time to explain your options, build a strategy, and focus on what’s best for you—not just the cost.
Why Work With Us?
When you call for a quote or search online, you’re often seeing just one factor: the premium.
But premium alone doesn’t tell the full story.
Each insurance carrier underwrites health conditions differently.
Depending on your medical history, lifestyle, and other factors, one carrier may offer significantly better rates—or better coverage terms—than another.
It’s one thing to receive a quote; it’s entirely different to have a thorough conversation about which carrier will underwrite you most favorably.
At Marc Sigmon Insurance Agency, we take the time to walk you through these differences, advocate on your behalf, and help you avoid unnecessary frustration.
Our goal is simple: to help you make the best decision for your needs—not just the cheapest one.
This is more than just a policy—it’s your peace of mind.