VALife
Veterans Administration Life Insurance
VALife is a whole life insurance program administered directly by the Veterans Administration. If you have any service connected disability rating, even 0%, and are age 80 or younger, you are guaranteed to be approved. Your premium is set the day you apply and will never increase.
Veterans Administraton Life Insurance Basics
The VALife program was enacted Jan 01, 2023 and provides permanent life insurance coverage for Veterans with disability ratings
It’s what our Customers expect from us and what our Associates expect from their leadership.
FIXED PREMIUMS FOR LIFE
Implementation of our Safety Policy requires total commitment from all levels of employees.
TWO YEAR WAITING PERIOD
We don’t work for one person… we work together as a team as a roof family.
UP TO $40,000 IN COVERAGE
Our goal is simply to be the best and to continually improve our work with high quality.
How to Get Coverage Step by Step
#1 Confirm your eligibility
You need a VA service connected disability rating (any percentage, including 0%) and must be age 80 or younger. Veterans age 81+ may qualify in limited circumstances contact us to review your situation.
#2 Determine if VALife is your best option
Because VALife has a 2-year waiting period, it makes the most sense if you cannot qualify for private life insurance due to health reasons. If you are in good health, private coverage may offer immediate protection at a similar cost.
#3 Select your coverage amount
Choose from $10,000, $20,000, $30,000, or $40,000. Your premium is locked in at your current age, applying sooner means a lower rate for life.
#4 Apply directly through the VA
Apply online at VA.gov using your Login.gov, ID.me, or DS Logon account. You can also apply in person at your local VA clinic. Your first premium payment is due at time of application.
#5 Review your policy and store it safely
After approval, access your policy through AccessVA. Make sure your beneficiaries know where to find it and understand how the 2-year waiting period works.
Understanding the Two Year Waiting Period
If You Pass Away During the First Two Years
It's required to pay premiums during the waiting period. Your
beneficiaries receive all premiums you paid back in full, plus interest (4.23% for deaths in 2026). You will not receive the full face value of
the policy.
After the Two Year Waiting Period
Your beneficiaries receive the full coverage amount from $10,000
up to $40,000 of permanent coverage. Premiums will never go up.
VALife does not offer premium waivers.
If you currently have a premium waiver on an S-DVI policy, that waiver will not transfer to VALife
S-DVI holders: If you apply for VALife on or after January 1, 2026, your S-DVI coverage ends the day your VALife application is approved, you will only pay VALife premiums during the 2-year wait, but you will have no full coverage during that period.
Premium waivers: VALife has no premium waivers. If you have a waiver on your S-DVI policy, it will not carry over. This is a critical consideration before switching.
VGLI holders: VGLI is increasing-term coverage, premiums rise every 5 years until age 80. VALife's fixed premium may be worth comparing as you age, especially if your VGLI rate has increased significantly.
Have S-DVI or VGLI Coverage?
If you already have VA life insurance, here is what you need to know before switching to VALife.
