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.
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- Army National Guard: Retired
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- Army Reserve: Drilling
- Army Reserve: Retired
Benefit News
02/02/2026
VA increases in-home and community-based services expenditure cap for Veterans with complex conditions
WASHINGTON, February 2, 2026 - The Department of Veterans Affairs today announced an increase in the expenditure cap for in-home and community-based services for Veterans with certain complex medical conditions.
01/29/2026
Check out the new TRICARE Dental Program premiums starting March 1
FALLS CHURCH, VA, January 29, 2026 - Are you enrolled in the TRICARE Dental Program? You should know that new premium rates will be in effect March 1, 2026, through Feb. 28, 2027. Take a look and find the premium rate you’ll be paying in the coming coverage year.