Life Insurance

VA can help you secure your, and your family's, future. Individual Servicemembers and Veterans, military and Veteran families, and those with service-connected disabilities have many different life insurance options.

The following life insurance programs are available:

  • Servicemembers' Group Life Insurance
  • Veterans' Group Life Insurance
  • Family Servicemembers' Group Life Insurance
  • Servicemembers' Group Insurance Traumatic Injury Protection
  • Service-Disabled Veterans' Life Insurance
  • Veterans' Mortgage Life Insurance

Apply Now

Each life insurance program has its own application process. To apply:

  1. Decide which insurance option is best for you by reviewing the different programs on our Life Insurance page.
  2. Follow the "How to Apply" process outlined for your insurance.

Details for how to claim benefits under each insurance policy are listed here.

Tips

  • Servicemembers' Group Life Insurance coverage is automatic for most active-duty members of the military. This insurance can be converted to Veterans' Group Life Insurance upon separation from the military. Follow this chart to learn when to apply.
  • Review your life insurance needs and options with these decision-making tools.

Are These VA Life Insurance Options Right for You?

I am a …

Who is …

And may be able to …

Veteran recently separated from service …

… within 240 days of my separation …

… convert my Servicemembers’ Group Life Insurance to Veterans’ Group Life Insurance with no health questions asked.

Veteran recently separated from service …

… between 240 days and 1 year and 120 days from my separation …

… convert my Servicemembers’ Group Life Insurance to Veterans’ Group Life Insurance after answering health questions.

Totally disabled Veteran who has been unable to work since separation …

… within two years of my separation from service …

… qualify for free life insurance through the Servicemembers’ Group Life Insurance Disability Extension.

Servicemember’s spouse covered by Family Servicemembers’ Group Life Insurance …

… within 120 days of status-changing events (e.g., my spouse’s separation from the military) …

… obtain private life insurance from participating insurers with no health questions asked.

Veteran with a VA service-connected disability rating …

… within two years of receiving a new VA disability rating, even at 0 percent …

… obtain Service-Disabled Veterans’ Insurance if I’m in good health (other than my service-connected condition) and I meet other discharge criteria.

Veteran who has received a VA Specially Adapted Housing grant to modify my house for accessibility …

… younger than 70 …

… obtain Veterans’ Mortgage Life Insurance coverage to pay off my mortgage in the event of my death.

Veteran who experienced severe injury in service …

… recovering from an injury that occurred on or after Oct. 7, 2001, …

… receive a payment through the Servicemembers’ Group Life Insurance Traumatic Injury Protection program.

You may be eligible for VA benefits if you were discharged from active duty under any condition other than dishonorable. Some benefits may be used by active-duty Servicemembers. Spouses, children, and survivors of Veterans or Servicemembers may also be eligible for VA benefits. Consult the VA benefits booklet or visit the nearest VA regional office for more detailed information.