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 applied for VALife by December 31, 2025, you can keep your S-DVI during the two-year waiting period for VALife benefits. 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
09/24/2026
Q&A: Learn the basics of TRICARE For Life coverage
FALLS CHURCH, VA, September 24, 2026 - TRICARE For Life offers healthcare coverage for TRICARE beneficiaries who also have Medicare Part A and Part B. Like all health plans, there are important details that can help you make the most of your benefits
09/17/2026
MHS GENESIS Patient Portal transitioning to myAuth login
FALLS CHURCH, VA, September 17, 2026 - Throughout 2026, the online platforms that support your TRICARE benefit are switching from DS Logon to myAuth. myAuth is a simpler, more streamlined login authentication application. Many platforms, including milConnect, ID Card Office Online, and contractor portals, have already made this switch.