In January 2023, VA will launch a new life insurance program called Veterans Affairs Life Insurance (VALife), which provides guaranteed acceptance whole life insurance coverage to Veterans age 80 and under, with any level of service-connected disability. Some Veterans age 81 and older may also be eligible.

What is Guaranteed Acceptance Whole Life Insurance?

Guaranteed acceptance is a whole life policy that does not require a medical exam or ask health questions. It also does not have a limited two year window to sign up. Whole life insurance provides coverage for the entire life of the individual policyholder, provided that premiums are always paid. Premium rates are locked in for the life of the policy, and unlike term policies will not increase as the policyholder ages.

What benefits does it offer?

Created by Public Law 116-315, the new program meets the needs of service-connected Veterans who may not have previously qualified for life insurance with VA. VALife offers guaranteed acceptance whole life insurance coverage that lasts for an individual’s entire life and provides the following benefits:

  • All service-connected Veterans age 80 and under with 0-100% VA disability ratings are eligible.
  • Fully automated online enrollment with instant approvals.
  • Coverage comes in increments of $10,000, up to a maximum of $40,000, and premiums are competitive – or better – than what’s available in the private sector. There is a two-year waiting period for full face value coverage to take effect.
  • No medical requirements for enrollment.
  • Cash value that builds over the life of the policy after the first two years of enrollment.
  • Rates are best the earlier you sign up. Once locked in, premiums will never increase.

Who is eligible?

All Veterans age 80 or younger with a VA disability rating of 0-100% are eligible for VALife, with no time limit to apply.

Veterans who are 81 or older may apply for VALife within two years of receiving a new service-connected disability rating if:

  • They applied for VA disability compensation before age 81, and;
  • They received a new service-connected disability rating after turning 81.

How does this impact other VA Life Insurance programs?

VALife opens life insurance coverage to more service-connected Veterans than ever before. In contrast to Service-Disabled Veterans Life Insurance (S-DVI), VALife has no medical requirements and there is no two year time limit to apply if a Veteran is age 80 or under.

Veterans who currently hold an S-DVI policy can either keep their current coverage or apply for VALife when the application goes live. Veterans can keep their S-DVI policy until the full coverage of VALife begins two years after enrollment as long as the application is received between Jan. 1, 2023, and Dec. 31, 2025

S-DVI will close to new enrollment after Dec. 31. Veterans interested in S-DVI should apply by this date, even if they are interested in applying for VALife in the new year. Applying for S-DVI now allows eligible Veterans to have life insurance coverage while waiting the two-year period for their VALife coverage to become available.

How can you apply for both?

The application for VALife will go live on Jan. 1, 2023. Stay tuned for more information on VALife and the application process. Once the program is open, the application will be available online at

If you are interested in applying for S-DVI before VALife opens, or would like to learn more about the coverage, please visit the S-DVI webpage here:

Where can I learn more?

To learn more about VALife and whether it’s the right choice for you and your family, please visit the webpage here:

If you would like to receive email updates about VALife, please sign up here:

By Mychael Lee Askew is an insurance specialist with VA’s Insurance Service

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Published on May. 30, 2022

Estimated reading time is 3.1 min.

Views to date: 31,014


  1. Arnold Cabral June 20, 2022 at 1:13 pm

    Veterans and People who read this and Spread my belief email your Senators or Representative asked them to contact the the Veteran Affairs Committee passed a new Disabled Veterans who is 100 percent service connected needs a Dentist that knows how to put in G4implants for free because they don’t have one work for a Veteran Medical Centers Dentistry or have a contract with a Veteran Affairs Administration..

  2. Rebecca June 11, 2022 at 5:44 pm

    Question all: my father was a veteran of Vietnam who passed away in January of this year. He does not have my mother left and I am not a dependent. However after passing I sadly have seen why it was hard for him in life here and there. I found record back to 1978 where his social was changed repeatedly. The same number being a 4, not an hour 8. He was released with honors with three badges, did one year and two months and two days in Vietnam, have that time in the Republic of Vietnam. And he got injured on the USS Hancock when they were doing some VA101,212 repairs/work. Anyway, he was injured on the USS Hancock and they’re a little bit of a fight he ended up getting approved for 30% disability. He did not even receive that but instead received 10% in 2008 and application of your application, PTSD diabetes mellitus and a few others, denial but when I got all this paperwork upon request of his medical record I am finding Doctor exams okayed and clear and following denials from the VA but if you flip the papers or reports upside down and look in the mirror, it says otherwise. Like info on his proof of Bupersman… I also received this paperwork with a letter noting on it the reduction of certain peoples names and such which I thought was funny cause I had most of that paperwork already with their names already printed lol so I stapled them together but should I go toward the OIG because of illegal action of knowing of previous entitlement and trying to hide it within the paperwork provided to me in upside down almost backwards faded format…?

  3. Brian CS June 8, 2022 at 12:02 pm

    Some of you Vets don’t have a clue that other
    Vets can’t get ANY Insurence because of their disability. Or if the Vet can get insurance, the premium is so expensive that the Vet could take our money, invest and make more in stocks.
    I’m 100% permanently and totally disabled. One of my disabilities is end stage renal disease (kidney failure, was on dialysis in 2007 and got a transplant in 2009). Even after the transplant, no insurance will/would touch me. Trust me, I’ve tried many times with different approaches. As soon as my blood work is returned and my anti-rejection medicine is detected, I’m instantly denied.
    Yes, this insurance could be better, stronger, and faster but some of your Vet brothers and sisters have to take what we can get in order to look out for our children and make sure any debts we owe when we die will be covered.

    • Joe d June 27, 2022 at 12:57 pm

      I found a 125,000 policy from navy mutual, no physical . non smoker 15 year term , $98.00 monthly, I have a 60% rating that does not affect the policy. I had to look very hard to get. It is also convertible or partially convertible within the first 2 years. The guy who made it happen was Eric Anderson.

  4. dau June 7, 2022 at 11:41 pm

    I’m 50 years old widowed and 100% SC P&T — How will this life insurance work?

  5. Ruth O'Brien June 7, 2022 at 2:16 pm

    Why is VA offering whole life insurance? It’s always been Term through SGLI or VGLI.
    There should be no cash value. You don’t get both insurance and cash in these pokicies. One or the other. Why would VA even consider this? Why not just cheaper straight term insurance?

  6. Anthon Martin June 7, 2022 at 2:14 pm

    Dear Vets and their loved ones, first thank you for your service.

    While it’s admirable that the VA made an effort with this insurance program, it’s truly not the best option for most veterans.

    Other private insurance companies can almost always offer the same type of coverage for a lower premium. Furthermore, most veterans despite past and previous health conditions can typically qualify for a much cheaper policy that does not include a two-year waiting period (this VA policy makes you wait 2 years before you’re insured).

    Please do not assume that this policy is best for you simply because it’s administered via the VA. That is far from the truth.

    Full disclosure, I am an insurance broker, and we make money by selling insurance. Even if you bought insurance via another agency, my comments would still be true.

  7. Mark G Lapinskes June 7, 2022 at 12:23 pm

    Very expensive for the amount. Financially doesn’t make a lot of sense to sign into this.

  8. Al Brodbent June 7, 2022 at 10:03 am

    this is of o benefit for veterans. Most insurance companies offer this already.

  9. Janet Bernard June 4, 2022 at 1:12 pm

    My husband passed away in 2010 with service connected illnesses from Agent Orange and I receive survivor benefits. I want to make sure my children have the resources for my burial and pay off any existing debts when I pass. Do I qualify for this insurance program?

  10. Luke Brehm June 4, 2022 at 3:55 am

    I am not a disabled veteran but I am a Vietnam war vet what am I entitled to as far as life insurance through the VA?

    • Sean June 7, 2022 at 11:59 am

      You need to submit a claim with the VA.
      I’m sure you have injuries or an illness due to your time in service in Vietnam.

    • Rodney Tenorio Perez June 8, 2022 at 9:54 pm

      File a claim. You have many presumptions disabilities being a Nam vet..u should be 100% disable by now.

  11. Jnaet Kay Oliphant June 3, 2022 at 7:12 pm

    Please keep me posted concerning this life insurance. I’m interested in the cost of this insur.

  12. Charles E. Moy III June 2, 2022 at 8:07 pm

    I am 80 years old now & have a 10% disability rating. .Feb. of 2023 I will be 81. Seems to me that will make me ineligible. Also seems unfair.

    Please explain why this program ignores me & others in my position…

    • Jesus Villegas June 5, 2022 at 6:30 pm

      Seems to me you are eligible as long as you apply before turning 81. You have from 1 Jan 23 until your birthday unless I misread.

  13. Brian June 2, 2022 at 6:49 pm

    Is that a VFW vet or an American Legion vet?
    I am a pissed off cold warrior and am tired of being dissed!

    • Tom June 3, 2022 at 8:42 am

      took me 28 years to get my rating and I had NOT heard a thing about Disability rated life until now. So its been longer than the 2 year limit to sign up that one. I feel you anguish. It like their job it to deflect, deny, ignore or flat refuse us. You gotta get your Congressman involved. Once mine called them about me, The VA was almost harassing me to get me in there so that they could Legally deny me. One they could not deny because I had an injury that was in my health records. Now (NOW) my health records are missing. I went back for an increase. Nope, We dont have records on you….. SO you see? I feel you brother. And they wonder why we have such a sour taste about them.

      • Rene June 4, 2022 at 10:12 pm

        I hear you, brother! I made copies of all my health records including injuries, so if they lie, IT’S PERJURY!!

    • Anthony June 3, 2022 at 4:05 pm

      I hear you brother, all Veteran benefits should be uniform regardless of what era you served.

  14. Mark v Voner June 2, 2022 at 3:19 pm

    please keep me posted

    • Don A Cooper June 2, 2022 at 5:03 pm

      Please keep me posted.

    • Steven Jesel June 7, 2022 at 11:39 pm

      The chart says I’d pay $142.20 a month for $40k coverage. That’s slightly less than filling up my Chevy Avalanche with 87 octane gas these days.

  15. Mark June 2, 2022 at 1:29 pm

    I do not see any mention of a cash savings component of which the policy owner can draw or borrow from? Are you sure you are using the term “Whole Life” properly or selling a whole life component?

    • J B June 2, 2022 at 6:08 pm

      “Cash value that builds over the life of the policy after the first two years of enrollment.” Read again…

  16. Z Zubrick June 2, 2022 at 11:58 am

    Every service connected vet should have the same family coverage as every member of congress! Lifetime benefits, no cost, and the best providers available! And we should get to vote for our own pay raises.

    • Pam B June 2, 2022 at 1:14 pm

      100% agree! Members of Congress should never be given better benefits than our Veterans

      • Christine June 2, 2022 at 10:30 pm

        Couldn’t say it better

        • Melvin Spears June 4, 2022 at 5:01 pm

          Christine, I concur!

      • Robert M Palmer June 17, 2022 at 4:02 pm


    • Pat June 2, 2022 at 2:37 pm

      Members of congress don’t get free benefits and the benefits they pay for are not for life.

  17. Freed Guess June 2, 2022 at 11:38 am

    Granted that my original coverage for 500,000 was fraudulently cancelled, you are now offering me 40,000 with no compensation for the last 20 years or the missing 460,000 in the indefinite future,

    • Gary Toth June 3, 2022 at 4:34 pm

      What kind of VA insurance did you have @ $500,000 coverage?

  18. James Merritt June 2, 2022 at 11:34 am

    I am interested via I would like a better description of all my options. I’m @ 100% and 55.

  19. Ken June 2, 2022 at 10:54 am

    From web site: – quote “Cost The premium rate (the amount you will pay each MONTH or ANNUALLY for your coverage) depends on your age and the amount of coverage you elect. The premiums for VALife are fixed and based on your age when you enroll. Click here to FIND OUT MORE ON PREMIUM COSTS. ( The table on the Premium Rates page has rows for Age and columns for Coverage Amount for $10K, $20K, $30K, and $40K. NOWHERE on that page does it say the whether it’s Monthly or Yearly. For Age 60 the premium listed is $200.4 for $40K of coverage. If that’s a monthly premium it’s $2,404.8 a year!!! When you turn 76 years and 7 months your total premium payments will exceed $40K. If it’s a yearly rate, it’s $16.70 a month.

    • LDF June 2, 2022 at 2:54 pm

      You must be looking at a different rate page. At the top of the Premium Rates page is stated that these are “Monthly Rates” per age.
      At 76 I would pay a little over $40K in 8 yrs. time for $40K, not for me. Thanks

  20. Stephen Morgan June 2, 2022 at 10:42 am

    At age 65 with the premiums paid, the full price of the various policies will have been paid in 13 years and 6 months.

  21. Hank Krauter June 2, 2022 at 10:09 am


  22. edward espinoza June 2, 2022 at 9:07 am

    please contact me , I am 72 years of age and 100% service connected, thank you

  23. ROBERT EDWARDS June 2, 2022 at 6:07 am

    40k? It would be good to have more coverage. You can shop around several companies will cover you at a 100% rating and quotes up to 250K No medical exam,,,,BUT you will pay a heavy premium. I missed the deadline for VGLA by days due to no fault of mine and it’s been a nightmare trying to find affordable term insurance. All in all, it is what it is.

  24. Tom Hakes June 1, 2022 at 11:41 pm

    Interested in his program since I no longer have burial insurance or a plot not, I am really interested I don’t want my family having to pay for my burial .

  25. Ted Shively June 1, 2022 at 11:24 pm

    Whole Life is a ripoff, read the fine print. They should be selling Term to those of us that have a fixed income. Makes you wonder why they’d sell Whole Life, Whole life is the most expensive insurance and really only substantially benefits the young too middle aged adult, but even then, there are better way to invest your money.

    • Don Conn June 2, 2022 at 9:26 am

      Term is great when your young and have large financial obligations. But what happens when the term expires and your still alive??? Alive with no savings because an illness like cancer or the cost of insulin has made you broke?? Whole life takes care of the permanent problem of death! It carries cash value, it can be paid off like a house and the insured has it to pay final expenses. How many folks are able to save and not use their savings for a rainy day???

  26. Jarod Miller June 1, 2022 at 11:11 pm

    $100 a month for $40k that takes 2 years to take effect? USAA is better even for perm policies.

  27. Robert Bradford June 1, 2022 at 10:58 pm

    I’m interested please let me know when it becomes available

    • Esteban Capo Jr June 2, 2022 at 8:02 am

      Please let me know when I can enrolled

  28. Paul. DeJarnatt June 1, 2022 at 10:44 pm

    Please keep me posted. BTW posting the rates would have been a nice though.

    • Tommie Spikes June 2, 2022 at 10:52 am

      I applied for the insurance and got a letter that said I was approved but never got anything else Tommie Spikes

  29. Robert Bradford June 1, 2022 at 10:43 pm

    I would be interested in this program please keep me updated

  30. samuel wayne stewart June 1, 2022 at 10:41 pm

    please keep me informed

  31. Deanc3 June 1, 2022 at 10:34 pm

    What if you dont have a Service connected disability? What life insurance policies are available to veterans without Service connection?

  32. Jamie June 1, 2022 at 10:33 pm

    Why in the world are the rates so high? Veterans are already struggling financially and for 40k in coverage a 50y old vet will pay almost $150 a month. That’s barely enough to cover the cost of the funeral and will not provide any type of financial security for those left behind. You wonder why people don’t like the VA.

  33. John F Lutz June 1, 2022 at 10:28 pm

    Cannot believe your table for the rate dont explain if its monthly or yearly. Typical government oversight.

  34. Tobin Short June 1, 2022 at 10:25 pm

    As a veteran and licensed life broker, I can inform fellow veterans, that the posted rates are higher than many of the carriers I work with. It will be better than nothing if you aren’t able to qualify for anything else. However, there are other options that require no medical exams that a service disabled vet can be approved for.

    Also, in order to avoid being denied for life insurance and to get the best rates, get educated and set up prior to filing VA claims and getting out.

    • Hector June 2, 2022 at 9:21 am

      Tobin, thanks for your information. I have looked around for insurance for myself and am not satisfied with my results. Any recommendations in a direction I should look at?

  35. Ernest Ceniceros June 1, 2022 at 10:22 pm

    I am interested being 100% service connected at age 63.
    I currently have the one time offered $10,000 insurance for years now.
    But I need details regarding this new one coming.
    I want in on the additional $40,000 being offer.
    Save my info VA.
    Thank you

  36. Francis Leonas June 1, 2022 at 10:19 pm

    Would like to receive more info. Also, can my spouse be covered? I am disabled Vietnam Veteran, receiving compensation at 100 percent. Thanks.

  37. James Chieco June 1, 2022 at 10:15 pm

    VA Offered Service connected life insurance to all service connected Veterans. It was in the award letter packet but most Veterans never get past the dollar amount.
    If you bought a 10,000 Policy of service disabled Life insurance and then became 100% disabled the VA would have given you a waiver on the original 10K policy and offered you another 20K policy. But again most Vets never get past the Dollar sign. I have both My question will be can I get another 40K policy in addition to what I have without losing the waiver or can I not.

    • Hector June 2, 2022 at 9:14 am

      James, I would love to learn more about this waiver. I was not informed of it.

    • Ronald Rogan June 2, 2022 at 10:40 am

      Hello Mr.Chieco, I have the 10,000 life insurance they gave me when I became 100% disabled. I don’t quite understand how I can get the 20,000 coverage that you are talking about. Thank you for any information you can give me. Also is my wife eligible for life insurance coverage from the VA?

      • Tom Dexel June 2, 2022 at 7:08 pm

        Thanks for your comment Mr. Chieco. At the time I was awarded 100% I was in a very bad place in many ways. I failed to meet the deadline of 2 yrs to respond. I did not apply for the Veterans $10,000 Life Insurance coverage. Not laying blame on anyone but myself, But VA basically brushed over the program and the VSO I was dealing with had his own problems so wasn”t on top of the program.
        Are you aware of the best steps for me to take to reapply successfully?

  38. Joseph R Mateo June 1, 2022 at 10:12 pm

    Please keep me posted on additional insurance.

  39. Joseph R Mateo June 1, 2022 at 10:11 pm

    I would like to have this insurance. Keep me posted.

  40. Glenda Wood June 1, 2022 at 10:08 pm

    Sounds good. I, too, would be interested to know details about the expected cost to the veteran.

  41. José A López June 1, 2022 at 10:01 pm

    Hello ,I am a 100% disabled vet interested in this VA sponsored life Insurance program , Can u please reach out to me with enrollment information as soon as possible .

  42. John Hawker June 1, 2022 at 10:00 pm

    $40,000? That’s it? How about an amount that relates to today and not 1966?

  43. Greg Elmore June 1, 2022 at 9:57 pm

    My VGLI jumps from 33 dollars to 66 dollars in July for 100000. I’m 55 that’s getting steep. Is there gonna be an open season for S-DVI?

  44. JJ June 1, 2022 at 9:49 pm

    no one is going to contact you. maybe a scammer will but not the VA

  45. Marilyn Tracy June 1, 2022 at 9:40 pm

    Widow of 100 % disable veteran am I eligible to receive life indurancr

  46. Robert Archer June 1, 2022 at 9:36 pm

    Would like more information. These are all questions with no a answers. Not very helpful.

  47. Michelle Benerakis June 1, 2022 at 9:26 pm

    I looked at the chart and it would cost me $271 a month for the rest of my life to get $40,000 life insurance. That’s over three grand a year. I’ll pass.

  48. Hubert Williams June 1, 2022 at 9:18 pm
    • Gary Peterson June 2, 2022 at 9:29 am


  49. Anthony Davis June 1, 2022 at 9:16 pm

    Please contact me when it becomes available

    • Ricky Hall June 2, 2022 at 8:30 am

      70 years old monthly cost

  50. Carl June 1, 2022 at 9:16 pm

    I am interested, tell me more keep me posted.

  51. Robert June 1, 2022 at 9:11 pm

    Am I thinly person reading 40 k . Last I heard 40 ain’t poop for life insurance Pay out.

  52. Robert Pratt June 1, 2022 at 9:10 pm

    I would like to know projected policy costs for each age group. I have life insurance through army civilian retirement, will that present a problem.

  53. Myrna Vargas June 1, 2022 at 9:08 pm

    I am interested to join as soon as it is available.

  54. Robert Alan Sorenson June 1, 2022 at 9:05 pm

    Interested to hear more.

  55. William J Dervin June 1, 2022 at 8:39 pm

    This sounds like a great thing but how can we find out the price points. Will it be the same or less expensive than what is
    available through regular carriers?

  56. Brion Smith June 1, 2022 at 8:36 pm

    I have the VA life insurance do years when I received my 100 % total disability permeant. If I want to keep what I have what do I need to do, and what’s the difference. My premium is waved.
    Please let me know. I don’t want to loose what I have now.


  57. Steven Foulkes June 1, 2022 at 8:30 pm

    I have no service disability what can I qualify for

  58. Tom Trent June 1, 2022 at 8:16 pm

    Are the premiums listed monthly ?

  59. Randy C Davidson June 1, 2022 at 8:10 pm

    What does it cost? Is this another thing you have to sign-up for to see the cost?

  60. CJ Johnson June 1, 2022 at 8:02 pm

    40k max and 2 years to reach maturity sounds like a pretty crap deal. If I have VGLI why would I want this?

  61. Michael Gould June 1, 2022 at 7:56 pm

    Does this include folks without a disability rating? I see 0% but wondering if you actually have to apply for disability in order to obtain this new benefit.

  62. Why Does it Matter? June 1, 2022 at 7:52 pm

    This is garbage coverage. 1. $40,000 is nothing. 2. The premium is double the market for my age. Thanks, I guess. Can we just sunset the VA already, and just go to straight 100% reimbursement for private healthcare? Socialized medicine is an abject FAIL!

  63. anthony carnevale June 1, 2022 at 7:49 pm

    Premium table would be helpful.

  64. Marlene Barrickman June 1, 2022 at 7:48 pm

    As a widow of 100 percent disabled veteran I would truly appreciate being able to get life insurance for please let me know

  65. Carol Keenan June 1, 2022 at 7:39 pm

    Yes, I am interested in more information and how much the monthly premiums will cost me.

  66. Larry Chism June 1, 2022 at 7:28 pm

    This life insurance should be anyone that served in the arm service military this makes no sense to do the rest of us this way I have a disability but was told all my records burn up and there’s no record of it I’m already having to deal with that and now this C’mon guys this ain’t right.

  67. John Rentner June 1, 2022 at 7:22 pm

    Interested….can you send prices?

  68. Charles Henry Gates June 1, 2022 at 7:21 pm

    I turned 83 on 01-28-22… I was born 01-28-39…. I am disabled at 100%… will I ever be qualified for the new life insurance program… I think the the information says I might be… can you please respond to this question… I am surely interested in this new policy…Thank you

  69. John June 1, 2022 at 7:14 pm

    Do you have to be 100% disabled to get life ins??

  70. Michael DONAHUE June 1, 2022 at 7:13 pm

    $40,000.00 max, look what is the cost of just a plot and pine box now, what is it going to cost the same in 10,20,or30 years from now. Also being 100 percent is my dependents available for this program, interested in seeing cost.

  71. Stanley Reed June 1, 2022 at 6:59 pm

    You have got to be kidding! This is obviously a joke! My rate for $40,000 would be $398.00 a month. That is almost $5000.00 per year. This is extremely embarrassing that the VA would pedal this nonsense.

  72. Jeremy Glenn June 1, 2022 at 6:47 pm

    Look at the premiums. It’s still ridiculously expensive. Looks like a way to make money off of us.

  73. George Frank June 1, 2022 at 6:46 pm

    40,000 $ maximum?? Are you kidding me – that covers nothing!

  74. Victor June 1, 2022 at 6:45 pm

    Obtw… 995 plan is… $9.95 a month!

  75. Hyde June 1, 2022 at 6:44 pm

    How the insurance works ? It is different from VGLI ?

  76. Rick A. Rees June 1, 2022 at 6:24 pm

    How is the cost determined if my age is between brackets listed? Also are the costs listed for $40,000 or soem other lesser amount?

  77. Timothy M Callahan June 1, 2022 at 6:23 pm

    Have never applied for service connected disability, am I still eligible?

  78. Detrick Daniel June 1, 2022 at 6:20 pm

    I’m definitely interested in the life insurance policy! Please contact me.

  79. Jerrold Elsasser June 1, 2022 at 6:17 pm

    Very interested please keep me posted

  80. M.E. June 1, 2022 at 6:16 pm

    Lol, $108/mo for my age at 40K max coverage. This is not comparable and certainly not better than what’s available on the market. My whole life policy from TruStage is higher coverage for not even half the premium.

  81. Paul Andrew O'Hara June 1, 2022 at 6:16 pm

    We are interested in more information. please contact me

  82. Tom C June 1, 2022 at 6:14 pm

    Who is the underwriter of this insurance? US Government? Insurance company?

  83. Raul R Gonzalez Salvatella June 1, 2022 at 6:00 pm

    I don’t have any service connected condition. Is there any life insurance for a veteran like me?

  84. Nicholas Prietti June 1, 2022 at 5:51 pm

    Is this a joke? Maximum amount is $40,000? What is your surviving family going to do with that?

  85. Ruben Miranda June 1, 2022 at 10:51 am

    I’m a 100% service connected veteran. IT’S ABOUT TIME FOR A VA SPONSORED LIFE INSURANCE.

    • Mirage June 1, 2022 at 8:34 pm

      It’s not va sponsored all be it having the VA name it can cost you as much as 100+ per month.

    • Rozetta Thompkins June 1, 2022 at 9:55 pm

      This is absolute B.S., you put an age limit on it, my mother is 86. My next issue you are saying compete with other companies, we can’t get insurance period. I would love to sit down with who came up with this information and don’t realize, we are being denied long term care insurance, because we did what we signed up for, then you give a two year grace period… really, do you think we don’t have families that should be taken care after we went to war! Things happened!!!’

    • Lyrita June 1, 2022 at 11:20 pm

      I checked 40,000 for a 56 yr old will be 169.00 month. That is too much roe such a small amount.

  86. ROGELIO GARCIA June 1, 2022 at 9:30 am

    is there a premium waiver on the new valife for 100% permanent and total disabled veterans and who are over 81 years old?

    • Jim June 1, 2022 at 5:49 pm

      According to the VA web site, there will be no waivers of premiums.

    • Charles Budd June 1, 2022 at 6:52 pm

      Everyone please read. The rates are posted at this link. (Most) of the questions that are being asked are at this link. Take a breather and relax.

    • Deedub June 1, 2022 at 7:51 pm


  87. Alberto Garcia June 1, 2022 at 4:01 am

    I want this coverage as soon as it is available. Please contact me

    • Daphne Carter June 1, 2022 at 9:21 am

      Click on the “Where I Can learn More”, in the above announcement and you can sign up for updates on through the site.

      • William Czajkowski June 1, 2022 at 6:56 pm

        How much are premiums. I would like to apply for it . I need insurance.please contact me.

      • Anthony Davis June 1, 2022 at 9:14 pm

        Please contact me when it becomes available

    • Gary McCray June 1, 2022 at 7:36 pm

      Thank you.

    • H Paul Richter June 1, 2022 at 8:37 pm

      Hello Alberto, there may be immediate alternatives that can bridge the months until the VA Insurance program kicks in. Term Insurance is cheap and with the right rider you are able to get the premiums back at the end of the term. That would be a win-win! BTW I am a Vietnam era SDVOSB – Service-Disabled Veteran-Owned Small Business and ALL-WAYS look out for our Veterans.

    • Clyde Martin June 1, 2022 at 11:20 pm

      I would like to see the price by age.Thank You Clyde Martin

  88. J. May 31, 2022 at 8:23 pm

    FYI: Almost every question in the comments can be answered by visiting the web page above,

    There’s a link to view rates, who qualifies, and no premium waivers all listed there.

    • Benjamin A Benton, III June 1, 2022 at 10:08 pm

      I would like to know the Premium rates for $10,000 & $40,000

  89. Joseph crha May 31, 2022 at 7:26 pm

    Im 100% Im interestedbin this Va Life Insuranse

  90. Glen Oneill May 31, 2022 at 6:19 pm

    Are the premiums posted online a monthly or annual rate?

    • TINVOWOOT June 1, 2022 at 10:33 pm

      If those are monthly rates you’d be better off opening an investment account and putting the money in a simple index fund.

  91. Joe Arnold May 31, 2022 at 5:38 pm

    Is S-DVI ending? (this is not clear from reading the article). I am also paying premiums to OSGLI; can you hold all 3 policies once VALife goes live?

    • Jim June 1, 2022 at 5:54 pm

      According to the VA web site, S-DVI will not end for those who obtain S-DVI insurance prior to the end of 2022; however, no new S-DVI applications will be accepted starting in 2023. As of 2023, the new VA Life program is replacing S-DVI for all NEW applications.

  92. F. Haynes May 31, 2022 at 4:59 pm

    I am so done with the discouraging tactics and jumping through hoops to manage my affairs via coc with the VA. I never received an insurance packet when I was service connected in 2017, and once I requested and received one, it was a very poorly xeroxed copied faded non-ledgeable example of one. Yes I am interested in this life insurance.

    • Vic June 1, 2022 at 6:44 pm

      You can get the same insurance from Colonial Penn (995 plan, how can you not know about it… There’s a commercial every 5 minutes!), along with other companies that offer final planning life insurance!

      • Victor June 1, 2022 at 6:45 pm

        Obtw… 995 plan is… $9.95 a month!

  93. Jj May 31, 2022 at 2:33 pm

    Posting the cost would have been nice.

    • William fisher May 31, 2022 at 6:22 pm


  94. Thomas Brodrick May 31, 2022 at 2:22 pm

    Please contact me.I am service connected disabled and I would like to get this life insurance.Thank you

    • Chris Osuanah June 1, 2022 at 6:23 pm

      Good initiative by VA, thanks.

    • JJ June 1, 2022 at 9:50 pm

      stop asking them to contact you. you have to apply in January

  95. Donna Humphrey May 31, 2022 at 1:10 pm

    My husband 100% service connected disability tried 4 times to get life insurance through VA. Each time told he had to apply within so many months after discharge and couldn’t now that to many years had passed. He died March 9, 2020 in a VA hospital. Can I now get life insurance as his widow?

    • Kanjana Lakul May 31, 2022 at 4:39 pm

      similar my questions…Thank you

      • Aaron Reynolds June 1, 2022 at 10:21 pm

        Life insurance is only available to veterans, not their dependents.

    • Peggy June 1, 2022 at 11:03 pm

      My husband died of a service connected disability. I too, would like to know if widows could be considered.

  96. C Dickman May 31, 2022 at 12:59 pm

    Would rather have the rates posted to see what the premiums would be for coverage.
    This is a teaser yo hook veterans and get their hopes up!

    • Kevin May 31, 2022 at 4:23 pm

      Yes it is a teaser!
      Go figure!

    • John O Fefel May 31, 2022 at 8:10 pm


  97. Teresa Green May 31, 2022 at 12:14 pm

    Are widows and dependents included??

    • Aaron Reynolds June 1, 2022 at 10:22 pm

      Life insurance is only for the veteran, not dependents.

  98. Teryl Winstead Sanabria May 31, 2022 at 11:20 am

    My name is Teryl Winstead Sanabria, an employee and 100 per cent disabled veteran. I retire from the WLA VAMC October 30th, 2022. I would love to have this insurance. Please contact me. Thank you

  99. Larry Donaldson May 31, 2022 at 11:02 am

    I am interested for sure

    • larry willette June 1, 2022 at 6:34 pm

      Why the hell do you have to be disabled is my question! Can’t the VA do anything for those members of the military that kept themselves well during their years of service???
      I’m disappointed! I still served!! At the ready as required!

  100. Elijah Corker III May 31, 2022 at 9:41 am

    Good morning,

    How much will the monthly payment. I am 51 years of age born February 20, 1971., 100 percent disable veteran.

    • Kyle June 1, 2022 at 8:46 pm

      I’m sorry but $40k doesn’t even come close to the $1 mil I could get for $35 a month but can’t get it because of medications or dissability. They should at least have the option for more. Just saying.

    • J June 1, 2022 at 10:39 pm

      The program hasn’t even opened yet. Follow the “Learn More” link at the bottom of the article and sign up for e-mail alerts until the program launch……. in January 2023. :-/

  101. Jackson Kirkendohl May 31, 2022 at 9:17 am

    Very interested, please keep me posted.

  102. Billy J Capshaw May 31, 2022 at 9:03 am

    Please save info for me. I’m very interested….

    • Joe Noble June 1, 2022 at 10:13 pm

      Research folks, this is not term life insurance it’s whole life. Be careful, very careful Whole life premiums can cost five to 15 times more than term policies with the same death benefit,

  103. Isidro AlibudbudPp May 31, 2022 at 4:48 am

    Please give me more infomation about SVDI ins.

  104. Clarence Alexander May 30, 2022 at 10:54 pm

    Can I get some kind of refund.

    • Harry Thomas June 1, 2022 at 11:33 pm

      So, it looks like the selected coverage under VALife is void, except for premium returns plus interest, in the initial 2 year period. I read about the ability to keep your S-DVI going until you have two years of VALife time to get full coverage.

      What’s disturbing is that it appears that the Veteran would have to continue paying premiums for both policies while getting coverage under one policy and premium returns on the other policy.

      How is this considered a benefit??

  105. Clarence Alexander May 30, 2022 at 10:52 pm

    What can I do with my current life insurance SERVICES group life insurance that I had for 20 years.

  106. Clarence Alexander May 30, 2022 at 10:48 pm

    Can you keep your current life insurance like the SGLI.

  107. William Repaci May 30, 2022 at 9:33 pm

    I am a veteran. I am on SSDI. I am a type 2 diabetic and have had two toes amputated on my left foot. Also, I had to have my lower right leg amputated in September of 2020.

  108. PBMinger May 30, 2022 at 7:39 pm

    We’ve had this for years. Do we need to change? Can we add more? Thanks

  109. Theodoro Quinones JR May 30, 2022 at 7:00 pm

    I’ve been paying vsgli for years and know I pay 155.00 a month. Can I apply for new program to reduce my payments. My insurance is 160,000. Need info

    • Jim June 1, 2022 at 5:57 pm

      According to the VA web site, the maximum coverage is $40,000 – way below your current coverage.

    • Jarod Miller June 1, 2022 at 11:09 pm

      I bet your vsgli is for 10x the payout of this though…

  110. TinTian PADILLA May 30, 2022 at 6:41 pm

    I want to know more about both insurance options. And what the cost will be. I’m a service connected disabled veteran.

  111. Glenn Smith May 30, 2022 at 6:28 pm

    Is there a WAIVER of premium for Total and Permminent Disabled Veterans compensated at 100%?

    • Jim June 1, 2022 at 6:00 pm

      According to the VA web site, there will be no premium waivers for this coverage. If you have (and keep) your S-DVI policy, that waiver of the first $10,000 will remain in effect.

    • Gary T Yowell June 1, 2022 at 6:01 pm

      Can’t wait to hear the good news about VA Insurance !!! count me in !

    • Jeremy Glenn June 1, 2022 at 6:48 pm

      You would think so, but I doubt it. It would cost me 100 bucks a month. I cant afford that anymore than I could afford sdvi or whatever.

    • Aaron Reynolds June 1, 2022 at 10:27 pm

      There are no premium waivers for the VALife program

  112. Dennis Caez May 30, 2022 at 2:28 pm

    I would like to have this life insurance. Please keep me posted.

Comments are closed.

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