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Learn what the PACT Act means for your VA benefits

Veterans Affairs Life Insurance (VALife)

Veterans Affairs Life Insurance (VALife) provides low-cost coverage to Veterans with service-connected disabilities. Find out if you’re eligible and how to apply.

Eligibility for VALife

If you’re age 80 or younger

You’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.

There’s no time limit to apply after getting your disability rating.

If you’re age 81 or older

You may be eligible for VALife if you meet these requirements.

All of these must be true: 

  • You applied for VA disability compensation before you turned 81 years old, and 
  • You got your service-connected disability rating after you turned 81, and
  • You apply for VALife within 2 years of getting notification of your disability rating

Who’s covered

Veterans

Benefits you can get with VALife

You can get these benefits:

  • Up to $40,000 in whole life insurance coverage (in $10,000 increments), and
  • Cash value that starts to add up 2 years after we approve your application

VALife is guaranteed acceptance whole life insurance. This means that if you meet the eligibility requirements for VALife, we’ll automatically approve your application. You won’t need to prove you’re in good health. And you can keep your coverage for the rest of your life.

When your benefits will start

Your full life insurance coverage starts 2 years after you apply. You must pay the premiums during those 2 years.

Here’s what you need to know about the 2-year waiting period:

  • If you die during the 2-year waiting period, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest. Beneficiaries are the people you pick to get the money from your life insurance policy if you die.
  • If you die after the 2-year waiting period, we’ll pay your beneficiaries the full coverage amount of your policy.

How to apply for VALife

You can check your eligibility and apply online right now. Each month or each year, you’ll pay a certain amount to keep your coverage. We call this your premium. When you apply, you’ll need to submit your first premium payment.

Apply for VALife

How much you’ll pay for VALife

Your premium depends on your age when you apply and the amount of coverage you want. Your premium rate will never increase as long as you keep your VALife policy.

If more than 6 months have passed since your last birthday, we consider you 1 year older when determining your premium rate. For example, if you’re 59 years and 6 months and 1 day old, you’ll pay the rate for age 60.

Note: VALife doesn’t offer premium waivers.

Premium rates if you pay each month

Select your age to review VALife monthly premium rates.

Ages 18 to 30 (monthly rates)

Monthly rates for ages 18 to 30
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 18 Monthly premium rate for $10,000 coverage (in U.S. $) 10.90 Monthly premium rate for $20,000 coverage (in U.S. $) 21.80 Monthly premium rate for $30,000 coverage (in U.S. $) 32.70 Monthly premium rate for $40,000 coverage (in U.S. $) 43.60
Age when you apply 19 Monthly premium rate for $10,000 coverage (in U.S. $) 11.10 Monthly premium rate for $20,000 coverage (in U.S. $) 22.20 Monthly premium rate for $30,000 coverage (in U.S. $) 33.30 Monthly premium rate for $40,000 coverage (in U.S. $) 44.40
Age when you apply 20 Monthly premium rate for $10,000 coverage (in U.S. $) 11.40 Monthly premium rate for $20,000 coverage (in U.S. $) 22.80 Monthly premium rate for $30,000 coverage (in U.S. $) 34.20 Monthly premium rate for $40,000 coverage (in U.S. $) 45.60
Age when you apply 21 Monthly premium rate for $10,000 coverage (in U.S. $) 11.70 Monthly premium rate for $20,000 coverage (in U.S. $) 23.40 Monthly premium rate for $30,000 coverage (in U.S. $) 35.10 Monthly premium rate for $40,000 coverage (in U.S. $) 46.80
Age when you apply 22 Monthly premium rate for $10,000 coverage (in U.S. $) 12.10 Monthly premium rate for $20,000 coverage (in U.S. $) 24.20 Monthly premium rate for $30,000 coverage (in U.S. $) 36.30 Monthly premium rate for $40,000 coverage (in U.S. $) 48.40
Age when you apply 23 Monthly premium rate for $10,000 coverage (in U.S. $) 12.40 Monthly premium rate for $20,000 coverage (in U.S. $) 24.80 Monthly premium rate for $30,000 coverage (in U.S. $) 37.20 Monthly premium rate for $40,000 coverage (in U.S. $) 49.60
Age when you apply 24 Monthly premium rate for $10,000 coverage (in U.S. $) 12.80 Monthly premium rate for $20,000 coverage (in U.S. $) 25.60 Monthly premium rate for $30,000 coverage (in U.S. $) 38.40 Monthly premium rate for $40,000 coverage (in U.S. $) 51.20
Age when you apply 25 Monthly premium rate for $10,000 coverage (in U.S. $) 13.20 Monthly premium rate for $20,000 coverage (in U.S. $) 26.40 Monthly premium rate for $30,000 coverage (in U.S. $) 39.60 Monthly premium rate for $40,000 coverage (in U.S. $) 52.80
Age when you apply 26 Monthly premium rate for $10,000 coverage (in U.S. $) 13.60 Monthly premium rate for $20,000 coverage (in U.S. $) 27.20 Monthly premium rate for $30,000 coverage (in U.S. $) 40.80 Monthly premium rate for $40,000 coverage (in U.S. $) 54.40
Age when you apply 27 Monthly premium rate for $10,000 coverage (in U.S. $) 14.00 Monthly premium rate for $20,000 coverage (in U.S. $) 28.00 Monthly premium rate for $30,000 coverage (in U.S. $) 42.00 Monthly premium rate for $40,000 coverage (in U.S. $) 56.00
Age when you apply 28 Monthly premium rate for $10,000 coverage (in U.S. $) 14.40 Monthly premium rate for $20,000 coverage (in U.S. $) 28.80 Monthly premium rate for $30,000 coverage (in U.S. $) 43.20 Monthly premium rate for $40,000 coverage (in U.S. $) 57.60
Age when you apply 29 Monthly premium rate for $10,000 coverage (in U.S. $) 14.90 Monthly premium rate for $20,000 coverage (in U.S. $) 29.80 Monthly premium rate for $30,000 coverage (in U.S. $) 44.70 Monthly premium rate for $40,000 coverage (in U.S. $) 59.60
Age when you apply 30 Monthly premium rate for $10,000 coverage (in U.S. $) 15.40 Monthly premium rate for $20,000 coverage (in U.S. $) 30.80 Monthly premium rate for $30,000 coverage (in U.S. $) 46.20 Monthly premium rate for $40,000 coverage (in U.S. $) 61.60

Ages 31 to 40 (monthly rates)

Monthly rates for ages 31 to 40
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 31 Monthly premium rate for $10,000 coverage (in U.S. $) 15.90 Monthly premium rate for $20,000 coverage (in U.S. $) 31.80 Monthly premium rate for $30,000 coverage (in U.S. $) 47.70 Monthly premium rate for $40,000 coverage (in U.S. $) 63.60
Age when you apply 32 Monthly premium rate for $10,000 coverage (in U.S. $) 16.40 Monthly premium rate for $20,000 coverage (in U.S. $) 32.80 Monthly premium rate for $30,000 coverage (in U.S. $) 49.20 Monthly premium rate for $40,000 coverage (in U.S. $) 65.60
Age when you apply 33 Monthly premium rate for $10,000 coverage (in U.S. $) 17.00 Monthly premium rate for $20,000 coverage (in U.S. $) 34.00 Monthly premium rate for $30,000 coverage (in U.S. $) 51.00 Monthly premium rate for $40,000 coverage (in U.S. $) 68.00
Age when you apply 34 Monthly premium rate for $10,000 coverage (in U.S. $) 17.60 Monthly premium rate for $20,000 coverage (in U.S. $) 35.20 Monthly premium rate for $30,000 coverage (in U.S. $) 52.80 Monthly premium rate for $40,000 coverage (in U.S. $) 70.40
Age when you apply 35 Monthly premium rate for $10,000 coverage (in U.S. $) 18.30 Monthly premium rate for $20,000 coverage (in U.S. $) 36.60 Monthly premium rate for $30,000 coverage (in U.S. $) 54.90 Monthly premium rate for $40,000 coverage (in U.S. $) 73.20
Age when you apply 36 Monthly premium rate for $10,000 coverage (in U.S. $) 18.90 Monthly premium rate for $20,000 coverage (in U.S. $) 37.80 Monthly premium rate for $30,000 coverage (in U.S. $) 56.70 Monthly premium rate for $40,000 coverage (in U.S. $) 75.60
Age when you apply 37 Monthly premium rate for $10,000 coverage (in U.S. $) 19.60 Monthly premium rate for $20,000 coverage (in U.S. $) 39.20 Monthly premium rate for $30,000 coverage (in U.S. $) 58.80 Monthly premium rate for $40,000 coverage (in U.S. $) 78.40
Age when you apply 38 Monthly premium rate for $10,000 coverage (in U.S. $) 20.40 Monthly premium rate for $20,000 coverage (in U.S. $) 40.80 Monthly premium rate for $30,000 coverage (in U.S. $) 61.20 Monthly premium rate for $40,000 coverage (in U.S. $) 81.60
Age when you apply 39 Monthly premium rate for $10,000 coverage (in U.S. $) 21.10 Monthly premium rate for $20,000 coverage (in U.S. $) 42.20 Monthly premium rate for $30,000 coverage (in U.S. $) 63.30 Monthly premium rate for $40,000 coverage (in U.S. $) 84.40
Age when you apply 40 Monthly premium rate for $10,000 coverage (in U.S. $) 22.00 Monthly premium rate for $20,000 coverage (in U.S. $) 44.00 Monthly premium rate for $30,000 coverage (in U.S. $) 66.00 Monthly premium rate for $40,000 coverage (in U.S. $) 88.00

Ages 41 to 50 (monthly rates)

Monthly rates for ages 41 to 50
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 41 Monthly premium rate for $10,000 coverage (in U.S. $) 22.80 Monthly premium rate for $20,000 coverage (in U.S. $) 45.60 Monthly premium rate for $30,000 coverage (in U.S. $) 68.40 Monthly premium rate for $40,000 coverage (in U.S. $) 91.20
Age when you apply 42 Monthly premium rate for $10,000 coverage (in U.S. $) 23.70 Monthly premium rate for $20,000 coverage (in U.S. $) 47.40 Monthly premium rate for $30,000 coverage (in U.S. $) 71.10 Monthly premium rate for $40,000 coverage (in U.S. $) 94.80
Age when you apply 43 Monthly premium rate for $10,000 coverage (in U.S. $) 24.60 Monthly premium rate for $20,000 coverage (in U.S. $) 49.20 Monthly premium rate for $30,000 coverage (in U.S. $) 73.80 Monthly premium rate for $40,000 coverage (in U.S. $) 98.40
Age when you apply 44 Monthly premium rate for $10,000 coverage (in U.S. $) 25.60 Monthly premium rate for $20,000 coverage (in U.S. $) 51.20 Monthly premium rate for $30,000 coverage (in U.S. $) 76.80 Monthly premium rate for $40,000 coverage (in U.S. $) 102.40
Age when you apply 45 Monthly premium rate for $10,000 coverage (in U.S. $) 26.60 Monthly premium rate for $20,000 coverage (in U.S. $) 53.20 Monthly premium rate for $30,000 coverage (in U.S. $) 79.80 Monthly premium rate for $40,000 coverage (in U.S. $) 106.40
Age when you apply 46 Monthly premium rate for $10,000 coverage (in U.S. $) 27.70 Monthly premium rate for $20,000 coverage (in U.S. $) 55.40 Monthly premium rate for $30,000 coverage (in U.S. $) 83.10 Monthly premium rate for $40,000 coverage (in U.S. $) 110.80
Age when you apply 47 Monthly premium rate for $10,000 coverage (in U.S. $) 28.80 Monthly premium rate for $20,000 coverage (in U.S. $) 57.60 Monthly premium rate for $30,000 coverage (in U.S. $) 86.40 Monthly premium rate for $40,000 coverage (in U.S. $) 115.20
Age when you apply 48 Monthly premium rate for $10,000 coverage (in U.S. $) 30.00 Monthly premium rate for $20,000 coverage (in U.S. $) 60.00 Monthly premium rate for $30,000 coverage (in U.S. $) 90.00 Monthly premium rate for $40,000 coverage (in U.S. $) 120.00
Age when you apply 49 Monthly premium rate for $10,000 coverage (in U.S. $) 31.20 Monthly premium rate for $20,000 coverage (in U.S. $) 62.40 Monthly premium rate for $30,000 coverage (in U.S. $) 93.60 Monthly premium rate for $40,000 coverage (in U.S. $) 124.80
Age when you apply 50 Monthly premium rate for $10,000 coverage (in U.S. $) 32.50 Monthly premium rate for $20,000 coverage (in U.S. $) 65.00 Monthly premium rate for $30,000 coverage (in U.S. $) 97.50 Monthly premium rate for $40,000 coverage (in U.S. $) 130.00

Ages 51 to 60 (monthly rates)

Monthly rates for ages 51 to 60
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 51 Monthly premium rate for $10,000 coverage (in U.S. $) 33.90 Monthly premium rate for $20,000 coverage (in U.S. $) 67.80 Monthly premium rate for $30,000 coverage (in U.S. $) 101.70 Monthly premium rate for $40,000 coverage (in U.S. $) 135.60
Age when you apply 52 Monthly premium rate for $10,000 coverage (in U.S. $) 35.30 Monthly premium rate for $20,000 coverage (in U.S. $) 70.60 Monthly premium rate for $30,000 coverage (in U.S. $) 105.90 Monthly premium rate for $40,000 coverage (in U.S. $) 141.20
Age when you apply 53 Monthly premium rate for $10,000 coverage (in U.S. $) 36.90 Monthly premium rate for $20,000 coverage (in U.S. $) 73.80 Monthly premium rate for $30,000 coverage (in U.S. $) 110.70 Monthly premium rate for $40,000 coverage (in U.S. $) 147.60
Age when you apply 54 Monthly premium rate for $10,000 coverage (in U.S. $) 38.40 Monthly premium rate for $20,000 coverage (in U.S. $) 76.80 Monthly premium rate for $30,000 coverage (in U.S. $) 115.20 Monthly premium rate for $40,000 coverage (in U.S. $) 153.60
Age when you apply 55 Monthly premium rate for $10,000 coverage (in U.S. $) 40.10 Monthly premium rate for $20,000 coverage (in U.S. $) 80.20 Monthly premium rate for $30,000 coverage (in U.S. $) 120.30 Monthly premium rate for $40,000 coverage (in U.S. $) 160.40
Age when you apply 56 Monthly premium rate for $10,000 coverage (in U.S. $) 41.90 Monthly premium rate for $20,000 coverage (in U.S. $) 83.80 Monthly premium rate for $30,000 coverage (in U.S. $) 125.70 Monthly premium rate for $40,000 coverage (in U.S. $) 167.60
Age when you apply 57 Monthly premium rate for $10,000 coverage (in U.S. $) 43.70 Monthly premium rate for $20,000 coverage (in U.S. $) 87.40 Monthly premium rate for $30,000 coverage (in U.S. $) 131.10 Monthly premium rate for $40,000 coverage (in U.S. $) 174.80
Age when you apply 58 Monthly premium rate for $10,000 coverage (in U.S. $) 45.70 Monthly premium rate for $20,000 coverage (in U.S. $) 91.40 Monthly premium rate for $30,000 coverage (in U.S. $) 137.10 Monthly premium rate for $40,000 coverage (in U.S. $) 182.80
Age when you apply 59 Monthly premium rate for $10,000 coverage (in U.S. $) 47.70 Monthly premium rate for $20,000 coverage (in U.S. $) 95.40 Monthly premium rate for $30,000 coverage (in U.S. $) 143.10 Monthly premium rate for $40,000 coverage (in U.S. $) 190.80
Age when you apply 60 Monthly premium rate for $10,000 coverage (in U.S. $) 50.00 Monthly premium rate for $20,000 coverage (in U.S. $) 100.00 Monthly premium rate for $30,000 coverage (in U.S. $) 150.00 Monthly premium rate for $40,000 coverage (in U.S. $) 200.00

Ages 61 to 70 (monthly rates)

Monthly rates for ages 61 to 70
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 61 Monthly premium rate for $10,000 coverage (in U.S. $) 52.30 Monthly premium rate for $20,000 coverage (in U.S. $) 104.60 Monthly premium rate for $30,000 coverage (in U.S. $) 156.90 Monthly premium rate for $40,000 coverage (in U.S. $) 209.20
Age when you apply 62 Monthly premium rate for $10,000 coverage (in U.S. $) 54.60 Monthly premium rate for $20,000 coverage (in U.S. $) 109.20 Monthly premium rate for $30,000 coverage (in U.S. $) 163.80 Monthly premium rate for $40,000 coverage (in U.S. $) 218.40
Age when you apply 63 Monthly premium rate for $10,000 coverage (in U.S. $) 56.90 Monthly premium rate for $20,000 coverage (in U.S. $) 113.80 Monthly premium rate for $30,000 coverage (in U.S. $) 170.70 Monthly premium rate for $40,000 coverage (in U.S. $) 227.60
Age when you apply 64 Monthly premium rate for $10,000 coverage (in U.S. $) 59.40 Monthly premium rate for $20,000 coverage (in U.S. $) 118.80 Monthly premium rate for $30,000 coverage (in U.S. $) 178.20 Monthly premium rate for $40,000 coverage (in U.S. $) 237.60
Age when you apply 65 Monthly premium rate for $10,000 coverage (in U.S. $) 62.00 Monthly premium rate for $20,000 coverage (in U.S. $) 124.00 Monthly premium rate for $30,000 coverage (in U.S. $) 186.00 Monthly premium rate for $40,000 coverage (in U.S. $) 248.00
Age when you apply 66 Monthly premium rate for $10,000 coverage (in U.S. $) 64.80 Monthly premium rate for $20,000 coverage (in U.S. $) 129.60 Monthly premium rate for $30,000 coverage (in U.S. $) 194.40 Monthly premium rate for $40,000 coverage (in U.S. $) 259.20
Age when you apply 67 Monthly premium rate for $10,000 coverage (in U.S. $) 67.80 Monthly premium rate for $20,000 coverage (in U.S. $) 135.60 Monthly premium rate for $30,000 coverage (in U.S. $) 203.40 Monthly premium rate for $40,000 coverage (in U.S. $) 271.20
Age when you apply 68 Monthly premium rate for $10,000 coverage (in U.S. $) 70.90 Monthly premium rate for $20,000 coverage (in U.S. $) 141.80 Monthly premium rate for $30,000 coverage (in U.S. $) 212.70 Monthly premium rate for $40,000 coverage (in U.S. $) 283.60
Age when you apply 69 Monthly premium rate for $10,000 coverage (in U.S. $) 74.40 Monthly premium rate for $20,000 coverage (in U.S. $) 148.80 Monthly premium rate for $30,000 coverage (in U.S. $) 223.20 Monthly premium rate for $40,000 coverage (in U.S. $) 297.60
Age when you apply 70 Monthly premium rate for $10,000 coverage (in U.S. $) 78.00 Monthly premium rate for $20,000 coverage (in U.S. $) 156.00 Monthly premium rate for $30,000 coverage (in U.S. $) 234.00 Monthly premium rate for $40,000 coverage (in U.S. $) 312.00

Ages 71 to 80 (monthly rates)

Monthly rates for ages 71 to 80
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 71 Monthly premium rate for $10,000 coverage (in U.S. $) 81.80 Monthly premium rate for $20,000 coverage (in U.S. $) 163.60 Monthly premium rate for $30,000 coverage (in U.S. $) 245.40 Monthly premium rate for $40,000 coverage (in U.S. $) 327.20
Age when you apply 72 Monthly premium rate for $10,000 coverage (in U.S. $) 85.80 Monthly premium rate for $20,000 coverage (in U.S. $) 171.60 Monthly premium rate for $30,000 coverage (in U.S. $) 257.40 Monthly premium rate for $40,000 coverage (in U.S. $) 343.20
Age when you apply 73 Monthly premium rate for $10,000 coverage (in U.S. $) 90.10 Monthly premium rate for $20,000 coverage (in U.S. $) 180.20 Monthly premium rate for $30,000 coverage (in U.S. $) 270.30 Monthly premium rate for $40,000 coverage (in U.S. $) 360.40
Age when you apply 74 Monthly premium rate for $10,000 coverage (in U.S. $) 94.70 Monthly premium rate for $20,000 coverage (in U.S. $) 189.40 Monthly premium rate for $30,000 coverage (in U.S. $) 284.10 Monthly premium rate for $40,000 coverage (in U.S. $) 378.80
Age when you apply 75 Monthly premium rate for $10,000 coverage (in U.S. $) 99.50 Monthly premium rate for $20,000 coverage (in U.S. $) 199.00 Monthly premium rate for $30,000 coverage (in U.S. $) 298.50 Monthly premium rate for $40,000 coverage (in U.S. $) 398.00
Age when you apply 76 Monthly premium rate for $10,000 coverage (in U.S. $) 104.60 Monthly premium rate for $20,000 coverage (in U.S. $) 209.20 Monthly premium rate for $30,000 coverage (in U.S. $) 313.80 Monthly premium rate for $40,000 coverage (in U.S. $) 418.40
Age when you apply 77 Monthly premium rate for $10,000 coverage (in U.S. $) 109.90 Monthly premium rate for $20,000 coverage (in U.S. $) 219.80 Monthly premium rate for $30,000 coverage (in U.S. $) 329.70 Monthly premium rate for $40,000 coverage (in U.S. $) 439.60
Age when you apply 78 Monthly premium rate for $10,000 coverage (in U.S. $) 115.60 Monthly premium rate for $20,000 coverage (in U.S. $) 231.20 Monthly premium rate for $30,000 coverage (in U.S. $) 346.80 Monthly premium rate for $40,000 coverage (in U.S. $) 462.40
Age when you apply 79 Monthly premium rate for $10,000 coverage (in U.S. $) 121.40 Monthly premium rate for $20,000 coverage (in U.S. $) 242.80 Monthly premium rate for $30,000 coverage (in U.S. $) 364.20 Monthly premium rate for $40,000 coverage (in U.S. $) 485.60
Age when you apply 80 Monthly premium rate for $10,000 coverage (in U.S. $) 127.50 Monthly premium rate for $20,000 coverage (in U.S. $) 255.00 Monthly premium rate for $30,000 coverage (in U.S. $) 382.50 Monthly premium rate for $40,000 coverage (in U.S. $) 510.00

Ages 81 to 95 (monthly rates)

Note: If you’re age 81 or older, you’re only eligible for VALife in certain cases.

Check your eligibility for VALife

Monthly rates for ages 81 to 95
Age when you apply Monthly premium rate for $10,000 coverage (in U.S. $) Monthly premium rate for $20,000 coverage (in U.S. $) Monthly premium rate for $30,000 coverage (in U.S. $) Monthly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 81 Monthly premium rate for $10,000 coverage (in U.S. $) 133.80 Monthly premium rate for $20,000 coverage (in U.S. $) 267.60 Monthly premium rate for $30,000 coverage (in U.S. $) 401.40 Monthly premium rate for $40,000 coverage (in U.S. $) 535.20
Age when you apply 82 Monthly premium rate for $10,000 coverage (in U.S. $) 140.40 Monthly premium rate for $20,000 coverage (in U.S. $) 280.80 Monthly premium rate for $30,000 coverage (in U.S. $) 421.20 Monthly premium rate for $40,000 coverage (in U.S. $) 561.60
Age when you apply 83 Monthly premium rate for $10,000 coverage (in U.S. $) 147.40 Monthly premium rate for $20,000 coverage (in U.S. $) 294.80 Monthly premium rate for $30,000 coverage (in U.S. $) 442.20 Monthly premium rate for $40,000 coverage (in U.S. $) 589.60
Age when you apply 84 Monthly premium rate for $10,000 coverage (in U.S. $) 154.70 Monthly premium rate for $20,000 coverage (in U.S. $) 309.40 Monthly premium rate for $30,000 coverage (in U.S. $) 464.10 Monthly premium rate for $40,000 coverage (in U.S. $) 618.80
Age when you apply 85 Monthly premium rate for $10,000 coverage (in U.S. $) 162.60 Monthly premium rate for $20,000 coverage (in U.S. $) 325.20 Monthly premium rate for $30,000 coverage (in U.S. $) 487.80 Monthly premium rate for $40,000 coverage (in U.S. $) 650.40
Age when you apply 86 Monthly premium rate for $10,000 coverage (in U.S. $) 171.10 Monthly premium rate for $20,000 coverage (in U.S. $) 342.20 Monthly premium rate for $30,000 coverage (in U.S. $) 513.30 Monthly premium rate for $40,000 coverage (in U.S. $) 684.40
Age when you apply 87 Monthly premium rate for $10,000 coverage (in U.S. $) 180.40 Monthly premium rate for $20,000 coverage (in U.S. $) 360.80 Monthly premium rate for $30,000 coverage (in U.S. $) 541.20 Monthly premium rate for $40,000 coverage (in U.S. $) 721.60
Age when you apply 88 Monthly premium rate for $10,000 coverage (in U.S. $) 190.90 Monthly premium rate for $20,000 coverage (in U.S. $) 381.80 Monthly premium rate for $30,000 coverage (in U.S. $) 572.70 Monthly premium rate for $40,000 coverage (in U.S. $) 763.60
Age when you apply 89 Monthly premium rate for $10,000 coverage (in U.S. $) 202.90 Monthly premium rate for $20,000 coverage (in U.S. $) 405.80 Monthly premium rate for $30,000 coverage (in U.S. $) 608.70 Monthly premium rate for $40,000 coverage (in U.S. $) 811.60
Age when you apply 90 Monthly premium rate for $10,000 coverage (in U.S. $) 217.00 Monthly premium rate for $20,000 coverage (in U.S. $) 434.00 Monthly premium rate for $30,000 coverage (in U.S. $) 651.00 Monthly premium rate for $40,000 coverage (in U.S. $) 868.00
Age when you apply 91 Monthly premium rate for $10,000 coverage (in U.S. $) 234.30 Monthly premium rate for $20,000 coverage (in U.S. $) 468.60 Monthly premium rate for $30,000 coverage (in U.S. $) 702.90 Monthly premium rate for $40,000 coverage (in U.S. $) 937.20
Age when you apply 92 Monthly premium rate for $10,000 coverage (in U.S. $) 256.40 Monthly premium rate for $20,000 coverage (in U.S. $) 512.80 Monthly premium rate for $30,000 coverage (in U.S. $) 769.20 Monthly premium rate for $40,000 coverage (in U.S. $) 1,025.60
Age when you apply 93 Monthly premium rate for $10,000 coverage (in U.S. $) 287.40 Monthly premium rate for $20,000 coverage (in U.S. $) 574.80 Monthly premium rate for $30,000 coverage (in U.S. $) 862.20 Monthly premium rate for $40,000 coverage (in U.S. $) 1,149.60
Age when you apply 94 Monthly premium rate for $10,000 coverage (in U.S. $) 337.00 Monthly premium rate for $20,000 coverage (in U.S. $) 674.00 Monthly premium rate for $30,000 coverage (in U.S. $) 1,011.00 Monthly premium rate for $40,000 coverage (in U.S. $) 1,348.00
Age when you apply 95 Monthly premium rate for $10,000 coverage (in U.S. $) 442.00 Monthly premium rate for $20,000 coverage (in U.S. $) 884.00 Monthly premium rate for $30,000 coverage (in U.S. $) 1,326.00 Monthly premium rate for $40,000 coverage (in U.S. $) 1,768.00

Premium rates if you choose to pay once each year

Select your age to review VALife yearly premium rates.

Ages 18 to 30 (yearly rates)

Yearly rates for ages 18 to 30
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 18 Yearly premium rate for $10,000 coverage (in U.S. $) 129.30 Yearly premium rate for $20,000 coverage (in U.S. $) 258.60 Yearly premium rate for $30,000 coverage (in U.S. $) 387.90 Yearly premium rate for $40,000 coverage (in U.S. $) 517.20
Age when you apply 19 Yearly premium rate for $10,000 coverage (in U.S. $) 131.70 Yearly premium rate for $20,000 coverage (in U.S. $) 263.40 Yearly premium rate for $30,000 coverage (in U.S. $) 395.10 Yearly premium rate for $40,000 coverage (in U.S. $) 526.80
Age when you apply 20 Yearly premium rate for $10,000 coverage (in U.S. $) 135.30 Yearly premium rate for $20,000 coverage (in U.S. $) 270.60 Yearly premium rate for $30,000 coverage (in U.S. $) 405.90 Yearly premium rate for $40,000 coverage (in U.S. $) 541.20
Age when you apply 21 Yearly premium rate for $10,000 coverage (in U.S. $) 138.80 Yearly premium rate for $20,000 coverage (in U.S. $) 277.60 Yearly premium rate for $30,000 coverage (in U.S. $) 416.40 Yearly premium rate for $40,000 coverage (in U.S. $) 555.20
Age when you apply 22 Yearly premium rate for $10,000 coverage (in U.S. $) 143.60 Yearly premium rate for $20,000 coverage (in U.S. $) 287.20 Yearly premium rate for $30,000 coverage (in U.S. $) 430.80 Yearly premium rate for $40,000 coverage (in U.S. $) 574.40
Age when you apply 23 Yearly premium rate for $10,000 coverage (in U.S. $) 147.10 Yearly premium rate for $20,000 coverage (in U.S. $) 294.20 Yearly premium rate for $30,000 coverage (in U.S. $) 441.30 Yearly premium rate for $40,000 coverage (in U.S. $) 588.40
Age when you apply 24 Yearly premium rate for $10,000 coverage (in U.S. $) 151.90 Yearly premium rate for $20,000 coverage (in U.S. $) 303.80 Yearly premium rate for $30,000 coverage (in U.S. $) 455.70 Yearly premium rate for $40,000 coverage (in U.S. $) 607.60
Age when you apply 25 Yearly premium rate for $10,000 coverage (in U.S. $) 156.60 Yearly premium rate for $20,000 coverage (in U.S. $) 313.20 Yearly premium rate for $30,000 coverage (in U.S. $) 469.80 Yearly premium rate for $40,000 coverage (in U.S. $) 626.40
Age when you apply 26 Yearly premium rate for $10,000 coverage (in U.S. $) 161.40 Yearly premium rate for $20,000 coverage (in U.S. $) 322.80 Yearly premium rate for $30,000 coverage (in U.S. $) 484.20 Yearly premium rate for $40,000 coverage (in U.S. $) 645.60
Age when you apply 27 Yearly premium rate for $10,000 coverage (in U.S. $) 166.10 Yearly premium rate for $20,000 coverage (in U.S. $) 332.20 Yearly premium rate for $30,000 coverage (in U.S. $) 498.30 Yearly premium rate for $40,000 coverage (in U.S. $) 664.40
Age when you apply 28 Yearly premium rate for $10,000 coverage (in U.S. $) 170.90 Yearly premium rate for $20,000 coverage (in U.S. $) 341.80 Yearly premium rate for $30,000 coverage (in U.S. $) 512.70 Yearly premium rate for $40,000 coverage (in U.S. $) 683.60
Age when you apply 29 Yearly premium rate for $10,000 coverage (in U.S. $) 176.80 Yearly premium rate for $20,000 coverage (in U.S. $) 353.60 Yearly premium rate for $30,000 coverage (in U.S. $) 530.40 Yearly premium rate for $40,000 coverage (in U.S. $) 707.20
Age when you apply 30 Yearly premium rate for $10,000 coverage (in U.S. $) 182.70 Yearly premium rate for $20,000 coverage (in U.S. $) 365.40 Yearly premium rate for $30,000 coverage (in U.S. $) 548.10 Yearly premium rate for $40,000 coverage (in U.S. $) 730.80

Ages 31 to 40 (yearly rates)

Yearly rates for ages 31 to 40
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 31 Yearly premium rate for $10,000 coverage (in U.S. $) 188.70 Yearly premium rate for $20,000 coverage (in U.S. $) 377.40 Yearly premium rate for $30,000 coverage (in U.S. $) 566.10 Yearly premium rate for $40,000 coverage (in U.S. $) 754.80
Age when you apply 32 Yearly premium rate for $10,000 coverage (in U.S. $) 194.60 Yearly premium rate for $20,000 coverage (in U.S. $) 389.20 Yearly premium rate for $30,000 coverage (in U.S. $) 583.80 Yearly premium rate for $40,000 coverage (in U.S. $) 778.40
Age when you apply 33 Yearly premium rate for $10,000 coverage (in U.S. $) 201.70 Yearly premium rate for $20,000 coverage (in U.S. $) 403.40 Yearly premium rate for $30,000 coverage (in U.S. $) 605.10 Yearly premium rate for $40,000 coverage (in U.S. $) 806.80
Age when you apply 34 Yearly premium rate for $10,000 coverage (in U.S. $) 208.80 Yearly premium rate for $20,000 coverage (in U.S. $) 417.60 Yearly premium rate for $30,000 coverage (in U.S. $) 626.40 Yearly premium rate for $40,000 coverage (in U.S. $) 835.20
Age when you apply 35 Yearly premium rate for $10,000 coverage (in U.S. $) 217.10 Yearly premium rate for $20,000 coverage (in U.S. $) 434.20 Yearly premium rate for $30,000 coverage (in U.S. $) 651.30 Yearly premium rate for $40,000 coverage (in U.S. $) 868.40
Age when you apply 36 Yearly premium rate for $10,000 coverage (in U.S. $) 224.30 Yearly premium rate for $20,000 coverage (in U.S. $) 448.60 Yearly premium rate for $30,000 coverage (in U.S. $) 672.90 Yearly premium rate for $40,000 coverage (in U.S. $) 897.20
Age when you apply 37 Yearly premium rate for $10,000 coverage (in U.S. $) 232.60 Yearly premium rate for $20,000 coverage (in U.S. $) 465.20 Yearly premium rate for $30,000 coverage (in U.S. $) 697.80 Yearly premium rate for $40,000 coverage (in U.S. $) 930.40
Age when you apply 38 Yearly premium rate for $10,000 coverage (in U.S. $) 242.10 Yearly premium rate for $20,000 coverage (in U.S. $) 484.20 Yearly premium rate for $30,000 coverage (in U.S. $) 726.30 Yearly premium rate for $40,000 coverage (in U.S. $) 968.40
Age when you apply 39 Yearly premium rate for $10,000 coverage (in U.S. $) 250.40 Yearly premium rate for $20,000 coverage (in U.S. $) 500.80 Yearly premium rate for $30,000 coverage (in U.S. $) 751.20 Yearly premium rate for $40,000 coverage (in U.S. $) 1,001.60
Age when you apply 40 Yearly premium rate for $10,000 coverage (in U.S. $) 261.00 Yearly premium rate for $20,000 coverage (in U.S. $) 522.00 Yearly premium rate for $30,000 coverage (in U.S. $) 783.00 Yearly premium rate for $40,000 coverage (in U.S. $) 1,044.00

Ages 41 to 50 (yearly rates)

Yearly rates for ages 41 to 50
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 41 Yearly premium rate for $10,000 coverage (in U.S. $) 270.50 Yearly premium rate for $20,000 coverage (in U.S. $) 541.00 Yearly premium rate for $30,000 coverage (in U.S. $) 811.50 Yearly premium rate for $40,000 coverage (in U.S. $) 1,082.00
Age when you apply 42 Yearly premium rate for $10,000 coverage (in U.S. $) 281.20 Yearly premium rate for $20,000 coverage (in U.S. $) 562.40 Yearly premium rate for $30,000 coverage (in U.S. $) 843.60 Yearly premium rate for $40,000 coverage (in U.S. $) 1,124.80
Age when you apply 43 Yearly premium rate for $10,000 coverage (in U.S. $) 291.90 Yearly premium rate for $20,000 coverage (in U.S. $) 583.80 Yearly premium rate for $30,000 coverage (in U.S. $) 875.70 Yearly premium rate for $40,000 coverage (in U.S. $) 1,167.60
Age when you apply 44 Yearly premium rate for $10,000 coverage (in U.S. $) 303.80 Yearly premium rate for $20,000 coverage (in U.S. $) 607.60 Yearly premium rate for $30,000 coverage (in U.S. $) 911.40 Yearly premium rate for $40,000 coverage (in U.S. $) 1,215.20
Age when you apply 45 Yearly premium rate for $10,000 coverage (in U.S. $) 315.60 Yearly premium rate for $20,000 coverage (in U.S. $) 631.20 Yearly premium rate for $30,000 coverage (in U.S. $) 946.80 Yearly premium rate for $40,000 coverage (in U.S. $) 1,262.40
Age when you apply 46 Yearly premium rate for $10,000 coverage (in U.S. $) 328.70 Yearly premium rate for $20,000 coverage (in U.S. $) 657.40 Yearly premium rate for $30,000 coverage (in U.S. $) 986.10 Yearly premium rate for $40,000 coverage (in U.S. $) 1,314.80
Age when you apply 47 Yearly premium rate for $10,000 coverage (in U.S. $) 341.70 Yearly premium rate for $20,000 coverage (in U.S. $) 683.40 Yearly premium rate for $30,000 coverage (in U.S. $) 1,025.10 Yearly premium rate for $40,000 coverage (in U.S. $) 1,366.80
Age when you apply 48 Yearly premium rate for $10,000 coverage (in U.S. $) 356.00 Yearly premium rate for $20,000 coverage (in U.S. $) 712.00 Yearly premium rate for $30,000 coverage (in U.S. $) 1,068.00 Yearly premium rate for $40,000 coverage (in U.S. $) 1,424.00
Age when you apply 49 Yearly premium rate for $10,000 coverage (in U.S. $) 370.20 Yearly premium rate for $20,000 coverage (in U.S. $) 740.40 Yearly premium rate for $30,000 coverage (in U.S. $) 1,110.60 Yearly premium rate for $40,000 coverage (in U.S. $) 1,480.80
Age when you apply 50 Yearly premium rate for $10,000 coverage (in U.S. $) 385.60 Yearly premium rate for $20,000 coverage (in U.S. $) 771.20 Yearly premium rate for $30,000 coverage (in U.S. $) 1,156.80 Yearly premium rate for $40,000 coverage (in U.S. $) 1,542.40

Ages 51 to 60 (yearly rates)

Yearly rates for ages 51 to 60
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 51 Yearly premium rate for $10,000 coverage (in U.S. $) 402.20 Yearly premium rate for $20,000 coverage (in U.S. $) 804.40 Yearly premium rate for $30,000 coverage (in U.S. $) 1,206.60 Yearly premium rate for $40,000 coverage (in U.S. $) 1,608.80
Age when you apply 52 Yearly premium rate for $10,000 coverage (in U.S. $) 418.80 Yearly premium rate for $20,000 coverage (in U.S. $) 837.60 Yearly premium rate for $30,000 coverage (in U.S. $) 1,256.40 Yearly premium rate for $40,000 coverage (in U.S. $) 1,675.20
Age when you apply 53 Yearly premium rate for $10,000 coverage (in U.S. $) 437.80 Yearly premium rate for $20,000 coverage (in U.S. $) 875.60 Yearly premium rate for $30,000 coverage (in U.S. $) 1,313.40 Yearly premium rate for $40,000 coverage (in U.S. $) 1,751.20
Age when you apply 54 Yearly premium rate for $10,000 coverage (in U.S. $) 455.60 Yearly premium rate for $20,000 coverage (in U.S. $) 911.20 Yearly premium rate for $30,000 coverage (in U.S. $) 1,366.80 Yearly premium rate for $40,000 coverage (in U.S. $) 1,822.40
Age when you apply 55 Yearly premium rate for $10,000 coverage (in U.S. $) 475.80 Yearly premium rate for $20,000 coverage (in U.S. $) 951.60 Yearly premium rate for $30,000 coverage (in U.S. $) 1,427.40 Yearly premium rate for $40,000 coverage (in U.S. $) 1,903.20
Age when you apply 56 Yearly premium rate for $10,000 coverage (in U.S. $) 497.20 Yearly premium rate for $20,000 coverage (in U.S. $) 994.40 Yearly premium rate for $30,000 coverage (in U.S. $) 1,491.60 Yearly premium rate for $40,000 coverage (in U.S. $) 1,988.80
Age when you apply 57 Yearly premium rate for $10,000 coverage (in U.S. $) 518.50 Yearly premium rate for $20,000 coverage (in U.S. $) 1,037.00 Yearly premium rate for $30,000 coverage (in U.S. $) 1,555.50 Yearly premium rate for $40,000 coverage (in U.S. $) 2,074.00
Age when you apply 58 Yearly premium rate for $10,000 coverage (in U.S. $) 542.20 Yearly premium rate for $20,000 coverage (in U.S. $) 1,084.40 Yearly premium rate for $30,000 coverage (in U.S. $) 1,626.60 Yearly premium rate for $40,000 coverage (in U.S. $) 2,168.80
Age when you apply 59 Yearly premium rate for $10,000 coverage (in U.S. $) 566.00 Yearly premium rate for $20,000 coverage (in U.S. $) 1,132.00 Yearly premium rate for $30,000 coverage (in U.S. $) 1,698.00 Yearly premium rate for $40,000 coverage (in U.S. $) 2,264.00
Age when you apply 60 Yearly premium rate for $10,000 coverage (in U.S. $) 593.30 Yearly premium rate for $20,000 coverage (in U.S. $) 1,186.60 Yearly premium rate for $30,000 coverage (in U.S. $) 1,779.90 Yearly premium rate for $40,000 coverage (in U.S. $) 2,373.20

Ages 61 to 70 (yearly rates)

Yearly rates for ages 61 to 70
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 61 Yearly premium rate for $10,000 coverage (in U.S. $) 620.60 Yearly premium rate for $20,000 coverage (in U.S. $) 1,241.20 Yearly premium rate for $30,000 coverage (in U.S. $) 1,861.80 Yearly premium rate for $40,000 coverage (in U.S. $) 2,482.20
Age when you apply 62 Yearly premium rate for $10,000 coverage (in U.S. $) 647.80 Yearly premium rate for $20,000 coverage (in U.S. $) 1,295.60 Yearly premium rate for $30,000 coverage (in U.S. $) 1,943.40 Yearly premium rate for $40,000 coverage (in U.S. $) 2,591.20
Age when you apply 63 Yearly premium rate for $10,000 coverage (in U.S. $) 675.10 Yearly premium rate for $20,000 coverage (in U.S. $) 1,350.20 Yearly premium rate for $30,000 coverage (in U.S. $) 2,025.30 Yearly premium rate for $40,000 coverage (in U.S. $) 2,700.40
Age when you apply 64 Yearly premium rate for $10,000 coverage (in U.S. $) 704.80 Yearly premium rate for $20,000 coverage (in U.S. $) 1,409.60 Yearly premium rate for $30,000 coverage (in U.S. $) 2,114.40 Yearly premium rate for $40,000 coverage (in U.S. $) 2,819.20
Age when you apply 65 Yearly premium rate for $10,000 coverage (in U.S. $) 735.60 Yearly premium rate for $20,000 coverage (in U.S. $) 1,471.20 Yearly premium rate for $30,000 coverage (in U.S. $) 2,206.80 Yearly premium rate for $40,000 coverage (in U.S. $) 2,942.40
Age when you apply 66 Yearly premium rate for $10,000 coverage (in U.S. $) 768.90 Yearly premium rate for $20,000 coverage (in U.S. $) 1,537.80 Yearly premium rate for $30,000 coverage (in U.S. $) 2,306.70 Yearly premium rate for $40,000 coverage (in U.S. $) 3,075.60
Age when you apply 67 Yearly premium rate for $10,000 coverage (in U.S. $) 804.50 Yearly premium rate for $20,000 coverage (in U.S. $) 1,609.00 Yearly premium rate for $30,000 coverage (in U.S. $) 2,413.50 Yearly premium rate for $40,000 coverage (in U.S. $) 3,218.00
Age when you apply 68 Yearly premium rate for $10,000 coverage (in U.S. $) 841.20 Yearly premium rate for $20,000 coverage (in U.S. $) 1,682.40 Yearly premium rate for $30,000 coverage (in U.S. $) 2,523.60 Yearly premium rate for $40,000 coverage (in U.S. $) 3,364.80
Age when you apply 69 Yearly premium rate for $10,000 coverage (in U.S. $) 882.80 Yearly premium rate for $20,000 coverage (in U.S. $) 1,765.60 Yearly premium rate for $30,000 coverage (in U.S. $) 2,648.40 Yearly premium rate for $40,000 coverage (in U.S. $) 3,531.20
Age when you apply 70 Yearly premium rate for $10,000 coverage (in U.S. $) 925.50 Yearly premium rate for $20,000 coverage (in U.S. $) 1,851.00 Yearly premium rate for $30,000 coverage (in U.S. $) 2,776.50 Yearly premium rate for $40,000 coverage (in U.S. $) 3,702.00

Ages 71 to 80 (yearly rates)

Yearly rates for ages 71 to 80
Age when you apply Yearly premium rate for $10,000 coverage (in U.S. $) Yearly premium rate for $20,000 coverage (in U.S. $) Yearly premium rate for $30,000 coverage (in U.S. $) Yearly premium rate for $40,000 coverage (in U.S. $)
Age when you apply 71 Yearly premium rate for $10,000 coverage (in U.S. $) 970.60 Yearly premium rate for $20,000 coverage (in U.S. $) 1,941.20 Yearly premium rate for $30,000 coverage (in U.S. $) 2,911.80 Yearly premium rate for $40,000 coverage (in U.S. $) 3,882.40
Age when you apply 72 Yearly premium rate for $10,000 coverage (in U.S. $) 1,018.00 Yearly premium rate for $20,000 coverage (in U.S. $) 2,036.00 Yearly premium rate for $30,000 coverage (in U.S. $) 3,054.00 Yearly premium rate for $40,000 coverage (in U.S. $) 4,072.00
Age when you apply 73 Yearly premium rate for $10,000 coverage (in U.S. $) 1,069.10 Yearly premium rate for $20,000 coverage (in U.S. $) 2,138.20 Yearly premium rate for $30,000 coverage (in U.S. $) 3,207.30 Yearly premium rate for $40,000 coverage (in U.S. $) 4,276.40
Age when you apply 74 Yearly premium rate for $10,000 coverage (in U.S. $) 1,123.60 Yearly premium rate for $20,000 coverage (in U.S. $) 2,247.20 Yearly premium rate for $30,000 coverage (in U.S. $) 3,370.80 Yearly premium rate for $40,000 coverage (in U.S. $) 4,494.40
Age when you apply 75 Yearly premium rate for $10,000 coverage (in U.S. $) 1,180.60 Yearly premium rate for $20,000 coverage (in U.S. $) 2,361.20 Yearly premium rate for $30,000 coverage (in U.S. $) 3,541.80 Yearly premium rate for $40,000 coverage (in U.S. $) 4,722.40
Age when you apply 76 Yearly premium rate for $10,000 coverage (in U.S. $) 1,241.10 Yearly premium rate for $20,000 coverage (in U.S. $) 2,482.20 Yearly premium rate for $30,000 coverage (in U.S. $) 3,723.30 Yearly premium rate for $40,000 coverage (in U.S. $) 4,964.40
Age when you apply 77 Yearly premium rate for $10,000 coverage (in U.S. $) 1,304.00 Yearly premium rate for $20,000 coverage (in U.S. $) 2,608.00 Yearly premium rate for $30,000 coverage (in U.S. $) 3,912.00 Yearly premium rate for $40,000 coverage (in U.S. $) 5,216.00
Age when you apply 78 Yearly premium rate for $10,000 coverage (in U.S. $) 1,371.60 Yearly premium rate for $20,000 coverage (in U.S. $) 2,743.20 Yearly premium rate for $30,000 coverage (in U.S. $) 4,114.80 Yearly premium rate for $40,000 coverage (in U.S. $) 5,486.40
Age when you apply 79 Yearly premium rate for $10,000 coverage (in U.S. $) 1,440.40 Yearly premium rate for $20,000 coverage (in U.S. $) 2,880.80 Yearly premium rate for $30,000 coverage (in U.S. $) 4,321.20 Yearly premium rate for $40,000 coverage (in U.S. $) 5,761.60
Age when you apply 80 Yearly premium rate for $10,000 coverage (in U.S. $) 1,512.80 Yearly premium rate for $20,000 coverage (in U.S. $) 3,025.60 Yearly premium rate for $30,000 coverage (in U.S. $) 4,538.40 Yearly premium rate for $40,000 coverage (in U.S. $) 6,051.20

Changing from S-DVI to VALife

If you have Service-Disabled Veterans Life Insurance (S-DVI), you have 2 options:

  • You can apply now for VALife, or
  • You can keep your S-DVI. You don’t have to do anything to keep your coverage.

What to know about changing to VALife

If you apply for VALife by December 31, 2025, you can keep your S-DVI during the 2-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 2-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’ll need to pay only VALife premiums during the 2-year waiting period. But you won’t have full coverage during this time.

Note: VALife doesn’t offer premium waivers. If you have a waiver for S-DVI premiums, your waiver won’t transfer to VALife.

How your beneficiaries would file a claim

Your beneficiaries would need to fill out a Claim for One Sum Payment (VA Form 29-4125). They can fill out the form and file it online through DocuSign.

Go to VA Form 29-4125 on the DocuSign website

Or they can fill out the form and then upload it online or send it by mail.

Get VA Form 29-4125 to download

By secure upload

Use our secure online tool to upload the completed form.

Upload claim forms and other life insurance documents online

By mail

Mail the completed form to this address:

Department of Veterans Affairs
Insurance Center
PO Box 7208
Philadelphia, Pennsylvania 19101 

What to do if you have more questions

You can call the VA Life Insurance Center at 800-669-8477 (TTY: 711). We’re here from 8:30 a.m. to 6:00 p.m. ET.

We can help answer questions about these policies:

  • VALife
  • S-DVI
  • Any VA life insurance policy that starts with a V, J, RS, or W