Federal Benefit·🛡️Insurance

VALife Insurance

Up to $40,000 life insurance; guaranteed acceptance with no medical underwriting.

Verified May 12, 2026againstva.gov

At a glance

Benefit type: Insurance — Federal
Who it's for: Veterans
VA rating needed: No rating requirement
Estimated value: Up to $40,000 coverage
Where it applies: United States
Last verified: May 12, 2026

What is VALife Insurance?

VALife Insurance is a federal insurance benefit for veterans. Up to $40,000 life insurance; guaranteed acceptance with no medical underwriting. The listed value is Up to $40,000 coverage.

Who qualifies

Veterans

Available to any veteran

How to apply

Apply directly through the VA — official source, no middleman.

Open application

Who is eligible

VALife eligibility

Must have a service-connected disability rating (even 0%). Veterans age 80 or younger have no time limit to apply. Veterans age 81 or older are eligible only if they applied for VA disability compensation before turning 81, received their rating after turning 81, AND apply for VALife within 2 years of receiving that rating notification.

What VALife Insurance covers

Coverage

Up to $40,000 in increments of $10,000.

Premiums

Based on age at application and coverage amount; locked in for life and never increase. Guaranteed acceptance with no medical underwriting. There is a 2-year waiting period for full coverage. If the veteran dies during the waiting period, the beneficiary receives premiums paid plus interest. Note: VALife does not offer premium waivers (unlike the older S-DVI program).

Important to know

The S-DVI program closed to new applications on December 31, 2022. It has been replaced by Veterans Affairs Life Insurance (VALife).

How to apply for VALife Insurance

How to apply

Apply online at va.gov/life-insurance/options-eligibility/valife/.

Open application Verify at official source

Verified information & sources

Last verified: May 12, 2026

Official source: va.gov

Compiled and fact-checked against the official source linked above. Benefit rules and dollar amounts change over time — always confirm current details at the official source before applying. A county Veterans Service Officer (VSO) is a free, accredited advocate who can review your eligibility and help you file at no cost.

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Frequently asked questions about VALife Insurance

Who qualifies for VALife Insurance?▾

VALife Insurance is for Veterans; available to any veteran. See the eligibility details on this page and confirm with the official source before applying.

How much is VALife Insurance worth?▾

The listed value is Up to $40,000 coverage. Amounts can change — confirm the current figure at the official source linked on this page.

How do I apply for VALife Insurance?▾

Apply through the official source linked on this page. A county Veterans Service Officer (VSO) can review your eligibility and help you file at no cost.

Where can I verify VALife Insurance?▾

Benefit rules and dollar amounts change, so always confirm current details at the official source linked on this page. A free, accredited county or state Veterans Service Officer (VSO) can also verify your eligibility and help you apply.

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