Life Insurance

Life Insurance
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Veterans Benefits Administration

Life Insurance
Life Insurance
We want to prepare you and your families for a lifetime of financial security and promote your financial well-being. Life insurance is an essential part of that security.
VA Life Insurance Education Hub
VALife is a guaranteed acceptance whole life insurance program for all service-connected Veterans aged 80 and under.
>Calculate your Premium
>Check eligibility and apply
>Frequently asked Questions
>View VALife Pamphlet
Protect yourself from phishing and scam calls from individuals misrepresenting themselves as Insurance representatives.
Find out how to protect yourself
To comply with the President’s Executive Order (EO) 14247, VA Insurance Service must significantly reduce the receipt and issuance of paper checks for insurance policyholders and beneficiaries.
Find out more information including other payment options.
Find out about VA's Veterans Benefits Banking Program.
VA Life Insurance Education Hub
VA Life Insurance (VALife) Program
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Benefits
How to Apply
Veterans Affairs Life Insurance (VALife)
became available January 1, 2023 and offers guaranteed acceptance whole life coverage of up to $40,000 to Veterans with service-connected disabilities.
Learn more about VALife
Lesser amounts are available in increments of $10,000. Under this plan, the elected coverage takes effect two years after enrollment as long as premiums are paid during the two-year period.
Learn more about Veterans Affairs Life Insurance
Servicemembers' Group Life Insurance (SGLI)
is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.
Learn the difference between term and whole life coverage
SGLI
coverage is automatic for most active duty Servicemembers, Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the U.S. military academies, and ROTC members.
Learn more about Servicemembers' Group Life Insurance
Veterans' Group Life Insurance (VGLI)
allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.
Learn more about the difference between term and whole life coverage.
VGLI
Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service.
Learn more about Veterans' Group Life Insurance
Family Servicemembers' Group Life Insurance (FSGLI)
insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember's coverage. Dependent children are automatically covered at no charge.  FSGLI
term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI.
Learn more about Family Servicemembers' Group Life Insurance
Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI)
is an automatic feature of SGLI that provides payments to Servicemembers who suffer losses, such as amputations, blindness, and paraplegia, due to traumatic injuries that occur in service.
All Servicemembers insured by SGLI are automatically covered by TSGLI.
Learn more about Servicemembers' Group Life Insurance Traumatic Injury Protection
Veterans' Mortgage Life Insurance (VMLI)
provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.
VMLI is available to Veterans who received a Specially Adapted Housing Grant (SAH), have title to the home, and have a mortgage on the home.
Learn more about Veterans' Mortgage Life Insurance
Servicemembers' Group Life Insurance (SGLI)
SGLI coverage is automatic.  All Servicemembers with full-time coverage should use the SGLI Online Enrollment System (SOES) to designate beneficiaries, or reduce, decline or restore SGLI coverage. To access SOES, go to
www.milconnect.dmdc.osd.mil/milconnect/
. Members with part-time coverage or do not have access to SOES should use
SGLV 8286
to make changes to SGLI.
Veterans' Group Life Insurance (VGLI)
Complete and file form
SGLV 8714
or
apply for VGLI online
Family Servicemembers' Group Life Insurance (FSGLI)
All Servicemembers should use SOES to decline, reduce, or restore FSGLI coverage.  To access SOES, go to
www.milconnect.dmdc.osd.mil/milconnect/
. Members who do not have access to SOES should use
SGLV 8286A
to to make changes to FSGLI coverage.
Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI)
Coverage is automatic for all Servicemembers covered by SGLI. To file claim for the TSGLI benefit, complete and file
SGLV 8600
Veterans Affairs Life Insurance (VALife)
check eligibility and apply online
Veterans' Mortgage Life Insurance (VMLI)
Complete and file form
VA 29-8636
, Application for Veterans' Mortgage Life Insurance.
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