Abstract: A modular concealable armored garment and system to be worn under shirts, blouses, tunics, and the like, can include an armored front or chest panel, an armored rear or back panel, and two side panels, all of which panels can be individually selected by size and/or shape from a supply of interchangeable ones of the panels having different dimensions, to provide a custom fit, and the side panels connecting to the chest and back panels with ends of the side panels concealed, while allowing relative movement of the panels for comfort and range of motion. As one manner of concealment, the ends of the side panels are rounded, and overlapped by the associated chest or back panel, and connect to the associated chest or back panel in a manner to provide relative movement while maintaining the overlap, to provide mobility and flexibility.