Which VA life insurance program is best for you?



VA offers several insurance programs which may benefit you. But, knowing which ones you qualify for and then applying, at the right time, are key steps to getting the coverage that’s best for you and your family.

VA Life Insurance options infographicA picture is worth 1,000 words. To illustrate that point, the image to the left provides a simple explanation of each of VA’s insurance programs. There’s an interactive version of it here. Using this interactive graphics, it’s now easier than ever to find out if you’re eligible for a VA insurance program. You’ll find illustrations that depict the VA life insurance program at large and individualized eligibility timelines for each program, so that you can ensure you don’t miss out on applying for the benefit that best suits you and your family.

So, which program is right for you?

Servicemembers’ Group Life Insurance (SGLI) is a low-cost, group term life insurance for Servicemembers. Coverage is automatic for most active-duty Servicemembers. It is also automatic for Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive duty training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration, the Public Health Service, cadets and midshipmen of the U.S. military academies, and Reserve Officers’ Training Corps members.

Servicemembers’ Group Life Insurance Disability Extension (SGLI-DE) Servicemembers who are totally disabled at separation may extend their SGLI coverage for up to two years for free.

Veterans’ Group Life Insurance (VGLI) is lifetime renewable group term insurance for Veterans. Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service.

Family Servicemembers’ Group Life Insurance (FSGLI) insures spouses and dependent children of Servicemembers with SGLI coverage. Dependent children are automatically covered at no charge.

Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides coverage to Servicemembers in the event they suffer severe losses, such as amputations, blindness, and paraplegia, due to traumatic injuries.

Service-Disabled Veterans Insurance (S-DVI) is life insurance coverage for Veterans who received a service connected disability rating from VA within the last two years; the rating must be for a new disability. Totally disabled Veterans may be eligible for free coverage and may have the opportunity to purchase additional insurance.

Veterans Mortgage Life Insurance (VMLI) is mortgage life insurance protection available to severely disabled Servicemembers and Veterans after VA has approved a Specially Adapted Housing (SAH) Grant.

As you can see, VA offers a number of life insurance programs, and each accommodates a different group of Veterans and Servicemembers and their families. If you have additional eligibility questions, please let us know in the comments below.


Melodee MercerMelodee Mercer is the public affairs officer for the VA Insurance Center. Prior to working for VA, she volunteered her time at the local VA and military hospitals, logging more than 7,500 volunteer hours. 

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Melodee Mercer

Comments

  1. thomas wheeler    

    yes ,I would like to apply for life insurance, im a viet-nam vet , thank you

    1. Melodee Mercer    

      Thank you for your interest in applying for VA Life Insurance. To be eligible you must have received your new rating in the last two years. Even a 0% rating will qualify. You can apply online by going to this link: https://www.insurance.va.gov/portal/routing.aspx or you can download an application by going to http://www.benefits.va.gov/INSURANCE/forms/29-4364.htm

    2. AARON KOBIE BABATU    

      I recently received a 10% service connected award and want to know if I can receive additional insurance…

      1. Melodee Mercer    

        Yes, if your 10% rating is for a new medical condition (not an increase for a condition VA rated you for before), then you are eligible to apply for Service-Disabled Life Insurance (SDVI). You can apply online by going to this link: https://www.insurance.va.gov/portal/routing.aspx or you can download an application by going to http://www.benefits.va.gov/INSURANCE/forms/29-4364.htm

  2. ron gerson    

    I am a korean war vet who cashed in a $10,000 policy several years ago. Am I eligible for an individual life insurance
    plan at this point?

  3. Jeffrey Edsel Mangum    

    Im rated 20 disabled 63 years old i am interested in knowing the details on how to apply

    1. Melodee mercer    

      Thank you for your interest in applying for VA Life Insurance. To be eligible you must have received your new rating in the last two years. Even a 0% rating will qualify. You can apply online by going to this link: https://www.insurance.va.gov/portal/routing.aspx or you can download an application by going to http://www.benefits.va.gov/INSURANCE/forms/29-4364.htm

  4. Melodee mercer    

    Thank you for your interest in applying for VA Life Insurance. To be eligible you must have received your new rating in the last two years. Even a 0% rating will qualify. You can apply online by going to this link: https://www.insurance.va.gov/portal/routing.aspx or you can download an application by going to http://www.benefits.va.gov/INSURANCE/forms/29-4364.htm

  5. william paul nelson jr    

    how can I get information on life insurance

  6. Melodee mercer    

    Here’s the link from the above article, which will take you to the eligibility timelines for all of our insurance programs. http://www.benefits.va.gov/insurance/overviewInsurance.html

    If you want general VA Insurance information, you can find it here: http://www.benefits.va.gov/insurance/index.asp

    If you have specific questions about how the VA Insurance programs work, feel free to click “reply” and ask your question here. However, if you have specific questions that involve your personal situation, please call our toll-free number 1-800-669-8477, to ask your question. I would not want you to give out personal information here.

    1. james slade    

      Send me some imfo on ins.

  7. Michael H Bolo    

    100% unemployable. Partly increased from past disabilitys, but increased due to serverty and given uvemployability status. Not sure i am allowed government life insurance?

  8. Dennis Dale Gramm    

    hello to all…i am an american/vet who lives in philippines, but cannot get life insurance through va here..any ideas appreciated, thanks, Dennis Gramm

    1. Melodee Mercer    

      The only insurance that we cannot approve for Veterans living outside the United States is Veterans Mortgage Life Insurance (VMLI), based on the way the law is written. We can approve both Veterans Group Life Insurance (VGLI) and Service Disabled Life Insurance (S-DVI) if you meet the other requirements. Please review the graphic of the house above and click on any of the programs accept VMLI to see if you qualify. For more detailed information, and information on how to apply, you can go to our website http://www.benefits.va.gov/insurance/index.asp or feel free to come back and ask a question about a specific program here.

  9. Willie Frank Garth    

    Retired USAF TSGT with 40% rating wanting to know if I can apply for life insurance?

    1. Melodee Mercer    

      Mr. Garth… If you can email some information, I’ll be happy to answer your question. I cannot tell from the information you supplied if you would qualify for VA Life Insurance. Please use this email address: vbasocialmedia.vbaco@va.gov. Please do not post your personal information here. In order to answer your question, I would need the date of your 40% rating, whether it was for a new medical condition, and when you separated from the service. If you would like me to look up your records, please include your social security number or VA claim number.

  10. James Hand    

    I am a retired Vietnam Vet with a 40% VA rating (service connected). Can I apply for any insurance programs free? I have been 40% rated since I retired in 1997.

    1. Melodee Mercer    

      Unfortunately, based on the information you supplied, you would not be eligible to apply for Service Disabled Life Insurance because you have only a two-year period from the time of your rating to apply. If you receive a rating for a new medical condition, then you will have a new two-year period starting from the date of the new rating.

Comments are closed.