Veterans & Military Families
Serving Those Who Served
HG Insurance Advisors was founded by a U.S. Navy veteran who understands the unique insurance and retirement planning challenges that military families face. We're here to help you navigate your options with clarity and confidence.
Veteran to Veteran
Guidance from Someone Who's Been There
Sam Heu served in the U.S. Navy for over 20 years. He knows firsthand the challenges of transitioning from military to civilian life — including the complexity of navigating insurance and retirement planning without the structure of military benefits.
That experience is why HG Insurance Advisors exists. Sam built this agency specifically to serve the veterans and military families who deserve clear, honest guidance from someone who understands their world.
✔️ U.S. Navy veteran — 20+ years of service
✔️ Understands VA benefits and military insurance programs
✔️ Specializes in veteran-specific planning strategies
✔️ Independent — not tied to any single carrier
How We Help
Veterans Insurance Services
Comprehensive guidance across the insurance and retirement planning needs unique to veterans and military families.
VA Benefits Review
We help veterans understand their existing VA benefits, identify coverage gaps, and build a complete insurance strategy that complements what the VA provides.
Review of current VA healthcare coverage
Identification of coverage gaps
Coordination with VA benefits
Guidance on VA life insurance programs
Life Insurance for Veterans
Many veterans are surprised to find that private life insurance can offer better rates and more flexibility than VGLI. We compare options from multiple carriers to find the best coverage for your situation.
Term life insurance options
Permanent life insurance for long-term planning
Coverage for veterans with service-connected conditions
Competitive rates from A-rated carriers
Military Family Coverage
Military spouses and dependents have unique coverage needs. We help military families find comprehensive coverage that protects every member of the household.
Life insurance for military spouses
Health insurance for military families
Coverage for dependent children
Supplemental coverage options
SGLI / VGLI Transition Planning
Servicemembers' Group Life Insurance (SGLI) ends shortly after separation. Veterans' Group Life Insurance (VGLI) is an option, but it may not always be the most cost-effective choice. We help you evaluate your options.
SGLI to VGLI conversion guidance
Comparison of VGLI vs. private alternatives
Coverage continuity planning
Cost analysis across multiple carriers
Retirement Income Planning
Military retirement provides a foundation, but many veterans need additional income strategies to maintain their standard of living. We help you build a complete retirement income plan.
Fixed annuities for guaranteed income
Survivor Benefit Plan (SBP) guidance
Tax-advantaged retirement strategies
Social Security optimization
Survivor Benefit Planning
Planning for your family's financial security in the event of your passing is one of the most important things a veteran can do. We help you build a comprehensive survivor benefit strategy.
Survivor Benefit Plan (SBP) analysis
Life insurance as SBP supplement or alternative
Income replacement planning
Estate planning considerations
VETERAN STORIES
What Veterans Are Saying
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"Sam understood my situation as a veteran immediately. He helped me see that my VGLI was costing me more than a private policy would — and got me better coverage for less."
James R. , U.S. Army, Retired
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"After 22 years in the Navy, I didn't know where to start with civilian insurance. Sam walked me through everything with patience and zero pressure. I finally feel like I have a real plan."
David M., U.S. Navy, Retired
FOR VETERANS
You Served. Now Let Us Serve You.
Schedule a free veterans consultation and get clear, honest guidance on your insurance and retirement planning options — from a fellow veteran who understands.