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Veterans Affairs Life Insurance (VALife) provides low-cost coverage to Veterans with service-connected disabilities. Find out if you’re eligible and how to apply.
You’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.
There’s no time limit to apply after getting your disability rating.
You may be eligible for VALife if you meet these requirements.
All of these must be true:
Veterans
You can get these benefits:
VALife is guaranteed acceptance whole life insurance. This means that if you meet the eligibility requirements for VALife, we’ll automatically approve your application. You won’t need to prove you’re in good health. And you can keep your coverage for the rest of your life.
Your full life insurance coverage starts 2 years after you apply. You must pay the premiums during those 2 years.
Here’s what you need to know about the 2-year waiting period:
You can check your eligibility and apply online right now. Each month or each year, you’ll pay a certain amount to keep your coverage. We call this your premium. When you apply, you’ll need to submit your first premium payment.
Apply for VALife
Your premium depends on your age when you apply and the amount of coverage you want. Your premium rate will never increase as long as you keep your VALife policy.
If more than 6 months have passed since your last birthday, we consider you 1 year older when determining your premium rate. For example, if you’re 59 years and 6 months and 1 day old, you’ll pay the rate for age 60.
Note: VALife doesn’t offer premium waivers.
Select your age to review VALife monthly premium rates.
Note: If you’re age 81 or older, you’re only eligible for VALife in certain cases.
Check your eligibility for VALife
Select your age to review VALife yearly premium rates.
If you have Service-Disabled Veterans Life Insurance (S-DVI), you have 2 options:
If you apply for VALife by December 31, 2025, you can keep your S-DVI during the 2-year waiting period for VALife benefits. Your S-DVI (including policies with premium waivers) will end when your full VALife coverage starts. You must pay premiums for both policies during the 2-year waiting period.
If you apply for VALife on or after January 1, 2026, your S-DVI (including policies with premium waivers) will end the day we approve your VALife application. You’ll need to pay only VALife premiums during the 2-year waiting period. But you won’t have full coverage during this time.
Note: VALife doesn’t offer premium waivers. If you have a waiver for S-DVI premiums, your waiver won’t transfer to VALife.
Your beneficiaries would need to fill out a Claim for One Sum Payment (VA Form 29-4125). They can fill out the form and file it online through DocuSign.
Go to VA Form 29-4125 on the DocuSign website
Or they can fill out the form and then upload it online or send it by mail.
Get VA Form 29-4125 to download
Use our secure online tool to upload the completed form.
Upload claim forms and other life insurance documents online
Mail the completed form to this address:
Department of Veterans Affairs
Insurance Center
PO Box 7208
Philadelphia, Pennsylvania 19101
You can call the VA Life Insurance Center at 800-669-8477 (TTY: 711). We’re here from 8:30 a.m. to 6:00 p.m. ET.
We can help answer questions about these policies:
Already have VA life insurance? Access your policy online, pay your premiums, or update your beneficiaries.
Veterans’ Mortgage Life Insurance (VMLI) offers mortgage protection insurance to the families of Veterans with severe service-connected disabilities who’ve adapted a home to fit their needs. Find out if you qualify and how to apply.
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