Veterans · OK

Life insurance and burial benefits for Oklahoma veterans

About 271,000 veterans live in Oklahoma. They can choose from two VA national cemeteries, at Fort Gibson and Fort Sill near Elgin, and three VA grant-funded cemeteries, including the state veterans cemetery in Ardmore and tribal cemeteries in Wewoka and Ponca City. Veterans rated 100% permanently disabled from service may qualify for a full homestead property tax exemption and an annual sales tax exemption. The Oklahoma Department of Veterans Affairs can help with state benefits, and life insurance can cover the funeral costs these benefits don't.

Facts checked against the sources listed below.

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Veterans in the state

271,000

Estimate, 2026

VA national cemeteries

2

Located in Oklahoma

State veterans cemeteries

3

Built with VA grants

State agency

OK

Oklahoma Department of Veterans Affairs

Life insurance options for Oklahoma veterans

Military life insurance is federal, so the options are the same in every state: convert SGLI to VGLI after separation, apply for VALife if you have a service-connected rating, or buy private coverage. Healthy veterans often compare VGLI against private term life, since VGLI rates rise every five years.

Veterans cemeteries in Oklahoma

VA national cemeteries

State veterans cemeteries

Burial in a VA national cemetery, a government headstone or marker, and a burial flag are available to eligible veterans at no cost; see VA burial benefits for current allowances. Source: VA National Cemetery Administration — Cemeteries in Oklahoma

Compare coverage as a veteran in Oklahoma

A licensed agent can check private options side by side with VGLI and VALife. Free, with no obligation.

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Oklahoma state benefits for veterans

Honorably discharged Oklahoma residents certified by the VA with a 100% permanent service-connected disability, and their surviving spouses, can exempt the full fair cash value of their homestead from property tax; apply to the county assessor with Form 998. Source: Oklahoma Tax Commission — Form 998, 100% Disabled Veterans Real Property Tax Exemption

Veterans with a permanent service-connected disability compensated at the 100% rate can get a sales tax exemption on up to $25,000 in purchases per year, and unremarried surviving spouses on up to $1,000 per year. Source: Oklahoma Tax Commission — Help Center: Exemptions

For help applying, contact the Oklahoma Department of Veterans Affairs.

Planning for final costs too? See final expense insurance in Oklahoma.

Frequently asked questions

Where can veterans be buried in Oklahoma?

Oklahoma has 2 VA national cemeteries and 3 state veterans cemeteries, including Fort Gibson National Cemetery in Fort Gibson. Eligibility rules apply; the cemetery or Oklahoma Department of Veterans Affairs can confirm.

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Can Oklahoma veterans keep their military life insurance after leaving service?

SGLI can be converted to VGLI within 1 year and 120 days after separation, with no health questions if you apply within 240 days. Veterans with a service-connected rating may also qualify for VA Life Insurance (VALife). These are federal programs, so the rules are the same in every state.

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Do disabled veterans get a property tax break in Oklahoma?

Honorably discharged Oklahoma residents certified by the VA with a 100% permanent service-connected disability, and their surviving spouses, can exempt the full fair cash value of their homestead from property tax; apply to the county assessor with Form 998.

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Sources

  1. VA National Cemetery Administration — Cemeteries in Oklahoma
  2. VA VetPop2023 state estimates
  3. Oklahoma Tax Commission — Form 998, 100% Disabled Veterans Real Property Tax Exemption
  4. Oklahoma Tax Commission — Help Center: Exemptions
  5. Oklahoma Department of Veterans Affairs

Veterans guides for other states