Service-Disabled Veterans Insurance (S-DVI)
Benefit Fact Sheet
To obtain S-DVI, Service members must meet all of the following 4 criteria:
You were released from active duty under other than dishonorable conditions on or after April 25, 1951
You were rated for a service-connected disability (even if only 0%)
You are in good health except for any service-connected conditions
You apply within 2 years from the date VA grants your new service-connected disability.
Note: An increase in an existing service-connected disability or the granting of individual unemployability of a previous rated condition does not entitle a Veteran to this insurance.
Coverage Available :
S-DVI is available in a number of permanent plans as well as term insurance, each with their own specific features and rate structures. To help choose the best option for you, you can view the specific plans and features in the Service-Disabled Veterans Insurance RH Information and Premium Rates pamphlet.
To apply use VA form 29-4364 , Application for Service-Disabled Veterans Life Insurance (S-DVI).
Insurance can be purchased in amounts from $1,000 to a maximum amount of $10,000. If you have other Government Life Insurance, the total amount of the policies cannot be more than $10,000 not including SGLI and VGLI. In other words, if you are covered under SGLI / VGLI you still have the right to buy this insurance.
Applying for Coverage :
Veterans must apply within two years from the date VA grants them a new service-connected disability. Veterans can apply for S-DVI online at
Waiver of Premiums Feature :
Premiums on an S-DVI policy may be waived if the policyholders' disability prevents him or her from working. The total disability must begin before the policyholder's 65th birthday, and must continue for at least six consecutive months. The total disability may begin prior to the effective date of the policy, provided that the disabling condition is service-connected. Policyholders who carry the basic S-DVI coverage and who become eligible for a waiver of premiums can apply for and be granted additional Supplemental S-DVI of up to $30,000.
To apply for waiver of premiums, Veterans must file VA Form 29-357, Claim for Disability Insurance Benefits .
Supplemental S-DVI :
The Veterans' Benefits Act of 2010, provided for $30,000 of supplemental coverage to S-DVI policyholders. Premiums may not be waived on this supplemental coverage. S-DVI policyholders are eligible for this supplemental coverage if:
are eligible for a waiver of premiums.
apply for the coverage within one year from notice of the grant of waiver.
are under age 65
To apply for Supplemental S-DVI, you must file VA Form 29-0188, Application for Supplemental Service-Disabled Veterans (RH) Life Insurance or send a letter requesting this insurance over your signature. You must apply for the coverage within one year from notice of the grant of waiver of premiums.
For more information, please visit the S-DVI webpage maintained by the Department of Veterans Affairs:
Summary of VA Benefits for National Guard and Reserve Members and Veterans: