Veteran Benefits
Life Insurance
VA life insurance options and online tools to manage an existing policy - including guaranteed-acceptance coverage for veterans with service-connected conditions.
There’s a free calculator on this page - estimate your monthly premium. No sign-up, no cost.
Who this is for
Protecting the people you love should not get harder just because of a service-connected condition or your age. VA offers coverage that is guaranteed to accept eligible veterans - with no medical exam to worry about.
In plain language
What Life Insurance covers
- VALife offers guaranteed-acceptance whole life coverage for veterans age 80 and under with a service-connected disability
- Options to manage, update beneficiaries, or convert existing policies
- Free financial counseling and will-preparation services for beneficiaries
VA Life Insurance (VALife)Official video - U.S. Department of Veterans Affairs
$40,000
Guaranteed-acceptance VALife whole-life coverage
No medical exam
You cannot be turned down for your health
Age 80 and under
Eligible with any service-connected rating - even 0%
What would coverage cost me now?
VGLI premium estimator
Wondering if you are too old for life insurance? With Veterans' Group Life Insurance there is no maximum age to keep your policy and no medical exam within the enrollment window. Pick your age and coverage to see your real monthly premium - and see how it changes as you move into the next age band so there are no surprises.
Your age
How old are you?
Premiums are set in 5-year age bands - yours is 60 to 64.
There is no maximum age to keep VGLI, and coverage never expires as long as you pay the premium. After age 75 the rate is capped and stops climbing.
How much coverage?
Coverage amount
$10,000 to $500,000, in $10,000 steps
If premiums get tight, you can reduce your coverage at any time to lower the cost - you do not have to drop the policy entirely.
Estimated monthly premium
$170.00
$200,000.00 coverage at age 62
- Age band
- 60 to 64
- Cost per $10k
- $8.50/mo
- Yearly premium
- $2,040.00
When you reach the 65 to 69 band, this same coverage rises to about $276.00/mo. Planning ahead for that jump is where an honest review helps.
See official VGLI rates & rulesEstimate using VGLI rates effective July 1, 2025. The VA reviews rates periodically. Confirm your exact premium on va.gov.
Apply within 240 days of leaving service and no health questions are asked. You have up to 1 year and 120 days to enroll.
This calculator is free. No sign-up, no catch.
Most people in this business hide tools like this behind a paywall or a sign-up form. We don’t. Use it as much as you need. And if you want a real accredited agent to look at your actual claim, we’re one call away — it’s free to talk, and free to file your claim.
Albert L. Thombs Jr. — VA-accredited claims agent (#45147), a disabled veteran with a team of advocates who do this every day.
The full picture
Everything you need to know
Nothing hidden behind a click. Here is the whole story in plain language, so you can decide what fits your situation.
Key facts & current figures
- VALife offers guaranteed-acceptance whole life coverage up to $40,000 for veterans age 80 and under with any service-connected disability rating.
- There is no medical exam; full coverage begins after a 2-year waiting period during which you pay premiums.
- Veterans age 81+ may still qualify if they apply within two years of their first service-connected rating.
General figures, current as of December 2025 and reviewed each year. Your exact amount depends on your situation - always confirm on va.gov.
VALife: guaranteed acceptance, no medical exam
- VALife is whole life coverage up to $40,000, bought in $10,000 steps, for veterans age 80 and under with any service-connected rating - even a 0 percent rating counts.
- There are no health questions and no medical exam. You cannot be turned down for your health.
- Full coverage starts after a 2-year waiting period. If you pass away during those two years, your beneficiary gets back every premium you paid plus interest.
- Premiums are set by your age when you apply and never go up, and the policy slowly builds cash value you can borrow against.
If you are 81 or older
- You can still enroll in VALife if you apply within two years of the date you received your first service-connected disability rating.
- This is an easy deadline to miss, so it is worth checking your rating date before you assume you are too old.
Managing a policy, and free help for beneficiaries
- You can update beneficiaries, check cash value, or convert an SGLI or VGLI policy through the VA insurance center.
- Anyone named as a beneficiary of VA life insurance can get free financial counseling and free online will preparation - a simple way to put affairs in order at no cost.
Your complete benefit picture
$40,000
guaranteed whole-life coverage the VA cannot deny you for your health - premiums are set by your age when you apply and never go up.
An easy deadline to miss
Even at 81+ you may still qualify
If you are 81 or older, you can still enroll in VALife if you apply within two years of the date you received your first service-connected disability rating.
Check your rating date before you assume you are too old - this window is easy to miss.
2-year waiting period
Full coverage begins after two years; if you pass during that time, your beneficiary gets every premium back plus interest.
Free help for beneficiaries
Anyone named can get free financial counseling and online will preparation.
A clear path forward
Your step-by-step action plan
No rush and no pressure - but a little order helps. Applying is always free.
First
Check your eligibility window
Confirm your service-connected rating and its date - especially if you are 81 or older.
Apply
Enroll in VALife online
Apply through va.gov; there are no health questions and no medical exam.
Then
Name your beneficiaries
Set who receives the benefit and update it any time through the VA insurance center.
Who to call & where to go
These are free, official VA lines. Have your Social Security number handy when you call.
VA Insurance Center
VGLI, S-DVI/VALife, and VMLI life-insurance questions.
MyVA411 - Main VA Line
Not sure who to call? Start here. One number for anything VA - they route you to the right office.
Rather have us handle it?
No phone tag, no hold music. Call our office and a real, VA-accredited person walks you through it - start to finish.
702-992-4883Not sure where to start?
Apply for VALife online through va.gov, or manage an existing policy through the insurance portal. We can help you understand which option fits.
More benefits for veterans
These often go hand in hand - tap any card to learn more.
Get a free benefit review
Tell us how to reach you and an accredited team member will help you understand this benefit and claim everything you have earned. No cost, no obligation.
Official VA links
Not sure if this applies to you?
Ask our free assistant a few plain questions and get an honest read on what you and your family may qualify for - at no cost.
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