The Service-Disabled Veterans Insurance (S-DVI) program was established in 1951 to meet the insurance needs of certain Veterans with service-connected disabilities. Veterans may choose from a number of plans as well as term insurance that best meets their particular needs. Policies are issued for a maximum face amount of $10,000. Those who qualify for S-DVI and are granted a waiver of premium may be eligible for Supplemental S-DVI with a face amount of up to an additional $30,000.
S-DVI program stopped taking new applications on December 31, 2022.
The VA launched a new life insurance program in January 2023 called Veterans Affairs Life Insurance (VALife), which provides guaranteed acceptance whole life insurance coverage to Veterans age 80 and under, with any level of service-connected disability. Some Veterans age 81 and older may also be eligible.
Can I apply for VALife if I have S-DVI?
If you have S-DVI, you can apply for VALife. If you apply before December 31, 2025, you can keep S-DVI during the initial two-year enrollment period for VALife. Your S-DVI (including policies with premium waivers) will end when your full VALife coverage starts. You must pay premiums for both policies during the two-year waiting period.
If you apply for VALife on or after January 1, 2026, your S-DVI (including policies with premium waivers) will end the day we approve your VALife application. You will need to pay only VALife premiums during the two-year waiting period. But you will not have full coverage during this time.
Do I have to switch to VALife?
No, you may remain in the S-DVI program.
Note: VALife does not offer premium waivers. If you have a waiver for S-DVI premiums, your waiver will not transfer to VALife.
- Regular Army: Active Duty
- Regular Army: Retired
- Army National Guard: Active Duty Under Title 10 USC or Title 32 USC (Full-Time National Guard Duty)
- Army National Guard: State Active Duty
- Army National Guard: Drilling
- Army National Guard: Retired
- Army Reserve: Active Duty
- Army Reserve: Drilling
- Army Reserve: Retired
Benefit News
08/28/2026
Joint Base Charleston Becomes Joint Base Lindsey Graham in DTS on Sept 1
ALEXANDRIA, VA, August 28, 2026 - Effective September 1, 2026, Joint Base (JB) Charleston will be renamed Joint Base (JB) Lindsey Graham in the Defense Travel System (DTS). If you plan to travel to JB Charleston on or after September 1, 2026, you must update your travel documents in DTS to the new name, reflecting the new per diem location. If you fail to update your documents, DTS will calculate your per diem as $0, and you may experience issues with lodging rates and system pre-audits.
08/25/2026
Know the differences in how TRICARE works in the U.S. vs. overseas
FALLS CHURCH, VA, August 25, 2026 - TRICARE has you covered worldwide. Understanding your coverage options helps you stay prepared for any health issues that might come up.