Veterans · life insurance
Apply for VALife
Veterans Affairs Life Insurance is guaranteed-acceptance whole life up to $40,000 if you have a service-connected rating — even 0% — and you are age 80 or under. Two-year wait for full coverage. Not VGLI. Recut from VA.gov.
01
Confirm you actually have a rating
Age 80 or under with any VA service-connected disability rating, including 0%. No time limit after the rating. Age 81+ has a two-year window after a new rating if you applied for that disability before 81. Recut from VA.gov VALife.
02
Apply on the official VALife door
Start at VA.gov VALife. Check eligibility and apply online. First premium is due with the application. Instant decision if you qualify. Do not use a look-alike that wants an ‘unlock fee.’
03
Know the two-year wait
Full coverage and cash value start two years after approval, as long as premiums are paid. No medical exam. No loans. S-DVI conversion rules changed on 1 January 2026 — confirm the live note on VA.gov if you still have S-DVI.