Service-Disabled Veterans Insurance

Computer keyboard with "insurance" written on a key

Veterans who are granted a service-connected disability but are otherwise in good health may apply to VA for up to $10,000 life insurance coverage from the VA.

Service-Disabled Veterans Insurance

S-DVI is available in a variety of permanent plans as well as term insurance. Policies are issued for a maximum face value of $10,000.

Veterans who are granted a service-connected disability but are otherwise in good health may apply to VA for up to $10,000 in life insurance coverage at standard insurance rates within two years from the date VA notifies them that they have a service-connected disability.

Veterans who are totally disabled can get a waiver of the monthly premiums. For those who are eligible for this waiver, an additional policy of up to $30,000 is available. However, premiums can't be waived on the additional insurance.

Eligibility For S-DVI Insurance

You are eligible if you if:

  • You were released from active duty under other than dishonorable conditions 
  • You were rated for a service-connected disability (even if only 0%)
  • You are in good health except for any service-connected conditions
  • You apply within 2 years from the date VA grants your service-connected disability (VA granting an increased disability percentage doesn't count)

Premiums For S-DVI Insurance

Premiums are based on your age and amount of coverage you purchase. Before you apply for S-DVI coverage, you should compare the premium rates to commercial insurance companies. If your disability isn't serious, you may be able to find better rates from a commercial company. 

Supplemental S-DVI

Veterans who are eligible for the premium waiver can get an additional policy of up to $30,000 if they pay the premiums for it. Veterans must be under age 65 and apply for supplemental S-DVI within one year from the notice of the approved premium waiver.

Visit the Insurance Center to get information, advice, tips and to learn more about your life, auto, renters, and long-term care insurance options.

Gratuitous S-DVI

Gratuitous Service-Disabled Veterans Insurance (S-DVI) is granted posthumously to veterans who:

  • Met the basic eligibility requirements for S-DVI
  • Didn't apply for S-DVI because of a continued mental incompetence due to a service connected disability
  • Died before the appointment of a guardian or within two years of such appointment

VA must receive an application for payment of Gratuitous S-DVI within two years from the date of the veteran's death.

If the person making the claim is mentally or legally incompetent, and did not file the claim in time, VA can accept the application within one year after incompetency ends.

Get the Coverage Your Family Needs

FSGLI, TSGLI, VGLI, SGLI ... the long list of acronyms and bare minimums may not be enough to cover your family's needs. Explore life insurance options with our free tool, which compares rates and matches you to the coverage you want.

Story Continues