VALife is whole life insurance from VA for veterans with a service connected disability rating, even 0%. You can get up to $40,000 with no health questions.
If you are 80 or younger and have any VA service connected rating, you can get VALife. There is no time limit to apply after you get your rating. If you are 81 or older, special rules apply.
You can pick $10,000 to $40,000, in $10,000 steps. VA approves you if you qualify. You do not have to prove you are healthy. You can keep it for life. Cash value starts to build 2 years after approval. VALife does not offer loans.
There is a 2 year wait for full coverage. If you die in the first 2 years, VA pays back what you paid plus interest. VA lists 4.23% for a death in 2026. After 2 years, VA pays the full amount.
Your price is set by your age when you apply. It never goes up while you keep the policy. VALife has no premium waiver. If you have the older S-DVI plan and apply for VALife now, your S-DVI ends the day VALife is approved.
Key facts
- Any service connected rating counts, even 0%.
- Coverage is $10,000 to $40,000 of whole life.
- No health questions if you qualify.
- Full coverage starts 2 years after you apply.
- Your monthly price is locked when you apply.
- No premium waivers and no loans.
At a glance
| Age when you apply | $10,000 | $20,000 | $40,000 |
|---|---|---|---|
| 30 | $15.40 | $30.80 | $61.60 |
| 40 | $22.00 | $44.00 | $88.00 |
| 50 | $32.50 | $65.00 | $130.00 |
| 60 | $50.00 | $100.00 | $200.00 |
| 70 | $78.00 | $156.00 | $312.00 |
| 80 | $127.50 | $255.00 | $510.00 |
Monthly VALife premiums from the VA VALife page (page last updated May 15, 2026; no separate rate effective date shown), checked October 7, 2026. VA counts you 1 year older if more than 6 months have passed since your last birthday.
Common questions
I have a 0% rating. Can I get VALife?
Yes. VA says any service connected rating counts, even 0%, if you are 80 or younger.
What if I die in the first 2 years?
VA pays your beneficiaries what you paid in, plus interest. For a death in 2026, VA lists 4.23% interest.
Will my VALife price go up?
No. VA says your rate never goes up as long as you keep the policy.
