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
01/16/2025
Unlock Your Health Through the MHS Nurse Advice Line
FALLS CHURCH, VA, January 16, 2025 - Do you know what to do when you or a family member feels sick, but it’s outside of business hours or it’s the weekend? Should you go to an urgent care clinic or the emergency room, or wait until your doctor’s office is open? Luckily, TRICARE has a service called the Military Health System Nurse Advice Line that can help when you need healthcare guidance.
01/14/2025
Check Out the Updated TRICARE Publications Suite
FALLS CHURCH, VA, January 14, 2025 - Are you looking for the latest details about your TRICARE health plan? You’re in luck! TRICARE has updated its entire publications suite with the latest information about your health plan. The new publications now include current details like how to find your TRICARE region, how to contact your regional contractor, and what you’ll pay for care. These updates make it easier to understand and use your TRICARE benefit.