Since its launch in 2023, the Veterans Affairs Life Insurance (VALife) program has already provided over $2 billion in total coverage to more than 60,000 Veterans.

VALife provides up to $40,000 of whole life insurance coverage to Veterans. Veterans age 80 or younger, with service-connected disabilities rated from 0 to 100%, receive guaranteed acceptance in the program without medical underwriting.

VALife premium rates are the same for men and women, not based on medical conditions and will not increase over the life of the policy. Premiums are based on the Veteran’s age upon enrollment and the coverage amount selected. In most cases, VALife premium rates are competitive with, or better than, similar private sector guaranteed acceptance, whole life insurance programs.

The full table of monthly VALife premium rates can be found online.

Veterans can apply online and receive a decision within 10 minutes. Veterans enrolled in the program also enjoy self-service functions like electronic payments and beneficiary updates.

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21 Comments

  1. James Mastromarino October 13, 2025 at 13:32

    Hi, I need life insurance. I’m service connected

  2. Michael W Sands September 21, 2025 at 09:52

    I’m in need of life insurance to help protect my wife.

  3. Kirby September 19, 2025 at 11:20

    As a fellow veteran, I’m grateful the VALife program exists—it’s a step forward. That said, $40,000 of whole life coverage doesn’t stretch far these days. Most funerals alone can run $10,000–$15,000, and final expenses pile on top of that. Families often find themselves with a serious gap, even after VA benefits.

    That’s why I spend my time helping veterans and their families secure permanent coverage that guarantees dignity at the end of life and peace of mind for those left behind. VALife is a great foundation—but it’s not the full plan. Protecting your family requires more than what the VA provides.

    We’ve earned better, and our families deserve better.

  4. Joseph September 18, 2025 at 14:40

    Is this some kind of a scam? I have been trying to get in touch with you for almost a week. Would you please give me a good telephone number to call about purchasing life insurance?

    [Editor: Contact info, here: https://www.benefits.va.gov/INSURANCE/resources-contact.asp ]

  5. David Romig September 18, 2025 at 11:06

    Love this site

  6. Mrs Kathleen A French September 18, 2025 at 10:47

    Can surviving spouses of Veterans get coverage?

    • Ed Tworkowski September 18, 2025 at 14:44

      Interested in life insurance

    • Faye Tillett McEwan September 22, 2025 at 22:44

      Can surviving spouse of Veteran get life insurance policy? Maybe price would be less for veterans, than getting ins. from other companies?

  7. Tony Darling September 18, 2025 at 09:22

    interested in knowing monthly costs

    • Alvin D Quackenbush September 18, 2025 at 15:37

      Same. I am 55 now 80% combination 100% unemployability since 98.

  8. Wendy Quinlan September 18, 2025 at 07:24

    Does yhis work for spouses who have lost their husband’s due to service related injuries? DIC

  9. Reggie Dunbar II September 18, 2025 at 05:47

    Thanks for this information

  10. Cynthia Barrett September 18, 2025 at 05:04

    Do you have to be disabled to apply or can any veteran apply with no disabilities?

  11. Priscilla Atkins September 17, 2025 at 23:56

    I would like to enroll in the life insurance program please

  12. Bruce Bennett September 17, 2025 at 23:14

    Too much money. I want term life only. Your whole life policy provides no coverage for 2 years and costs $209 per month! I already have investments. I just need insurance.

  13. Joshua Fuckyou September 17, 2025 at 22:44

    To bad Doge didn’t gut the VA. For every vet you claim to help you screw over 20. They need to redo the system and fire every VA worker who isn’t a vet.

    • WHAT … No lube even? October 14, 2025 at 09:02

      AMEN!
      What a scam!!

  14. dle September 17, 2025 at 20:55

    so no insurance for a vet??? oh well..

  15. Anthony L. Smith September 17, 2025 at 18:43

    Looking for coverage for myself and my wife

  16. Jerome Hornbogen September 17, 2025 at 18:14

    What is the cost does a pay premiums for 100%didabled

  17. Robert D Vernon September 17, 2025 at 16:17

    I had been looking for coverage like this well over 15 yrs, when I did my research I was very happy with the outcome and just recently purchased coverage, it was fast, easy and very few questions to answer, I only have 1 younger brother left in our family so when I receive my orders for the higher land I want to make sure he is taken care of. I will be looking into additional coverage for him but only through what the VA can offer me. Thank you again, for giving me the chance to express my happiness with hopes of others being able to take advantage of something we rarely get offered.

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