VA LIFE INSURANCE FOR VETERANS
The VA offers several life insurance programs designed specifically for service members, veterans, and their families. Most programs offer low-cost coverage with guaranteed acceptance.
Visit VA Life Insurance Portal →INSURANCE PROGRAMS
Coverage options for every stage of your military and post-military life
Servicemembers' Group Life Insurance (SGLI)
Low-cost group life insurance for active duty service members, Ready Reserve, and National Guard members. Coverage is automatic unless declined.
Key Details
- ✓Coverage up to $500,000 in $50,000 increments
- ✓Automatic coverage for active duty members
- ✓Low monthly premiums regardless of age or health
- ✓Traumatic injury protection (TSGLI) included
- ✓$100,000 spousal coverage available
- ✓Coverage for dependent children at no cost
Veterans' Group Life Insurance (VGLI)
Allows you to convert your SGLI coverage to renewable term insurance after separation. No medical exam required if you apply within 240 days of discharge.
Key Details
- ✓Coverage up to $500,000
- ✓No medical underwriting if applied within 240 days
- ✓Renewable 5-year term coverage
- ✓Premiums increase with age at renewal
- ✓Can reduce coverage at any time
- ✓Convertible to individual commercial policy
Service-Disabled Veterans Life Insurance (S-DVI)
Life insurance for veterans with service-connected disabilities. Available at standard premium rates regardless of the service-connected condition.
Key Details
- ✓Up to $10,000 basic coverage
- ✓Supplemental coverage up to $30,000 (total $40,000)
- ✓Premium waiver for totally disabled veterans
- ✓Standard premium rates despite disability
- ✓Must apply within 2 years of new service-connected disability rating
Family Servicemembers' Group Life Insurance (FSGLI)
Coverage for spouses and dependent children of service members with SGLI. Spousal coverage requires evidence of insurability for amounts over $100,000.
Key Details
- ✓Spouse coverage up to $100,000
- ✓Dependent child coverage of $10,000 at no cost
- ✓Spouse premiums based on age
- ✓Available to all SGLI-insured members
- ✓Coverage terminates when member separates
Veterans Affairs Life Insurance (VALife)
New whole life insurance program for veterans with service-connected disabilities. No medical underwriting required — guaranteed acceptance.
Key Details
- ✓Up to $40,000 in whole life coverage
- ✓Guaranteed acceptance — no health questions
- ✓Builds cash value over time
- ✓Premiums based on age at enrollment
- ✓Available to veterans with any service-connected disability rating
- ✓No time limit to apply
EXPLORE MORE VETERAN BENEFITS
Life insurance is just one of many benefits you've earned through your service.