🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 154 (from laksa027)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa154.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.va.gov/life-insurance/options-eligibility/valife/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.va.gov/life-insurance/options-eligibility/valife/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.va.gov\/life-insurance\/options-eligibility\/valife\/","crawl_time":1775001426,"first_indexed_time":1672859120,"http_code":200,"src_unparsed":"gov,va!www,\/life-insurance\/options-eligibility\/valife\/ s443","src_root_hash":"17798536852182628754","history_drop_reason":null,"meta_title":"Veterans Affairs Life Insurance (VALife) | Veterans Affairs","meta_descriptions":["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."],"attrs_boilerpipe_text":"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.\nEligibility for VALife\nIf you’re age 80 or younger\nYou’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.\nThere’s no time limit to apply after getting your disability rating.\nIf you’re age 81 or older\nYou may be eligible for VALife if you meet these requirements.\nAll of these must be true:\nBefore you turned 81 years old, you applied for VA disability compensation for a service-connected disability,\nand\nAfter you turned 81 years old, you received a rating for that same disability,\nand\nYou apply for VALife within \n2 years\n of getting notification of your disability rating\nApply for VALife\nYou 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.\nApply for VALife\nBenefits you can get with VALife\nYou can get these benefits:\nUp to $40,000 in whole life insurance coverage (in $10,000 increments),\n and\nCash value that starts to add up 2 years after we approve your application\nNote:\nVALife doesn’t offer loans.\nVALife 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.\nFor more information about VALife, you can play our VALife video.\nPlay our VALife video on YouTube\nWhen your benefits will start\nYour full life insurance coverage starts \n2 years \nafter you apply. You must pay the premiums during those 2 years.\nIf you die\nduring the 2-year waiting period\n, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest.\nInterest rate for a death in 2026: 4.23%\nInterest rate for a death in 2025: 3.59%\nIf you die\nafter the 2-year waiting period\n, we’ll pay your beneficiaries the full coverage amount of your policy.\nNote:\nBeneficiaries are the people you pick to get the money from your life insurance policy if you die.\nHow much you’ll pay for VALife\nYour 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.\nIf more than \n6 months \nhave 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.\nNote:\nVALife doesn’t offer premium waivers.\nPremium rates if you pay each month\nSelect your age to review VALife monthly premium rates.\nAges 18 to 30 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n18\n10.90\n21.80\n32.70\n43.60\n19\n11.10\n22.20\n33.30\n44.40\n20\n11.40\n22.80\n34.20\n45.60\n21\n11.70\n23.40\n35.10\n46.80\n22\n12.10\n24.20\n36.30\n48.40\n23\n12.40\n24.80\n37.20\n49.60\n24\n12.80\n25.60\n38.40\n51.20\n25\n13.20\n26.40\n39.60\n52.80\n26\n13.60\n27.20\n40.80\n54.40\n27\n14.00\n28.00\n42.00\n56.00\n28\n14.40\n28.80\n43.20\n57.60\n29\n14.90\n29.80\n44.70\n59.60\n30\n15.40\n30.80\n46.20\n61.60\nAges 31 to 40 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n31\n15.90\n31.80\n47.70\n63.60\n32\n16.40\n32.80\n49.20\n65.60\n33\n17.00\n34.00\n51.00\n68.00\n34\n17.60\n35.20\n52.80\n70.40\n35\n18.30\n36.60\n54.90\n73.20\n36\n18.90\n37.80\n56.70\n75.60\n37\n19.60\n39.20\n58.80\n78.40\n38\n20.40\n40.80\n61.20\n81.60\n39\n21.10\n42.20\n63.30\n84.40\n40\n22.00\n44.00\n66.00\n88.00\nAges 41 to 50 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n41\n22.80\n45.60\n68.40\n91.20\n42\n23.70\n47.40\n71.10\n94.80\n43\n24.60\n49.20\n73.80\n98.40\n44\n25.60\n51.20\n76.80\n102.40\n45\n26.60\n53.20\n79.80\n106.40\n46\n27.70\n55.40\n83.10\n110.80\n47\n28.80\n57.60\n86.40\n115.20\n48\n30.00\n60.00\n90.00\n120.00\n49\n31.20\n62.40\n93.60\n124.80\n50\n32.50\n65.00\n97.50\n130.00\nAges 51 to 60 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n51\n33.90\n67.80\n101.70\n135.60\n52\n35.30\n70.60\n105.90\n141.20\n53\n36.90\n73.80\n110.70\n147.60\n54\n38.40\n76.80\n115.20\n153.60\n55\n40.10\n80.20\n120.30\n160.40\n56\n41.90\n83.80\n125.70\n167.60\n57\n43.70\n87.40\n131.10\n174.80\n58\n45.70\n91.40\n137.10\n182.80\n59\n47.70\n95.40\n143.10\n190.80\n60\n50.00\n100.00\n150.00\n200.00\nAges 61 to 70 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n61\n52.30\n104.60\n156.90\n209.20\n62\n54.60\n109.20\n163.80\n218.40\n63\n56.90\n113.80\n170.70\n227.60\n64\n59.40\n118.80\n178.20\n237.60\n65\n62.00\n124.00\n186.00\n248.00\n66\n64.80\n129.60\n194.40\n259.20\n67\n67.80\n135.60\n203.40\n271.20\n68\n70.90\n141.80\n212.70\n283.60\n69\n74.40\n148.80\n223.20\n297.60\n70\n78.00\n156.00\n234.00\n312.00\nAges 71 to 80 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n71\n81.80\n163.60\n245.40\n327.20\n72\n85.80\n171.60\n257.40\n343.20\n73\n90.10\n180.20\n270.30\n360.40\n74\n94.70\n189.40\n284.10\n378.80\n75\n99.50\n199.00\n298.50\n398.00\n76\n104.60\n209.20\n313.80\n418.40\n77\n109.90\n219.80\n329.70\n439.60\n78\n115.60\n231.20\n346.80\n462.40\n79\n121.40\n242.80\n364.20\n485.60\n80\n127.50\n255.00\n382.50\n510.00\nAges 81 to 95 (monthly rates)\nAge when you apply\nMonthly premium rate for $10,000 coverage (in U.S. $)\nMonthly premium rate for $20,000 coverage (in U.S. $)\nMonthly premium rate for $30,000 coverage (in U.S. $)\nMonthly premium rate for $40,000 coverage (in U.S. $)\n81\n133.80\n267.60\n401.40\n535.20\n82\n140.40\n280.80\n421.20\n561.60\n83\n147.40\n294.80\n442.20\n589.60\n84\n154.70\n309.40\n464.10\n618.80\n85\n162.60\n325.20\n487.80\n650.40\n86\n171.10\n342.20\n513.30\n684.40\n87\n180.40\n360.80\n541.20\n721.60\n88\n190.90\n381.80\n572.70\n763.60\n89\n202.90\n405.80\n608.70\n811.60\n90\n217.00\n434.00\n651.00\n868.00\n91\n234.30\n468.60\n702.90\n937.20\n92\n256.40\n512.80\n769.20\n1,025.60\n93\n287.40\n574.80\n862.20\n1,149.60\n94\n337.00\n674.00\n1,011.00\n1,348.00\n95\n442.00\n884.00\n1,326.00\n1,768.00\nPremium rates if you choose to pay once each year\nSelect your age to review VALife yearly premium rates.\nAges 18 to 30 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n18\n129.30\n258.60\n387.90\n517.20\n19\n131.70\n263.40\n395.10\n526.80\n20\n135.30\n270.60\n405.90\n541.20\n21\n138.80\n277.60\n416.40\n555.20\n22\n143.60\n287.20\n430.80\n574.40\n23\n147.10\n294.20\n441.30\n588.40\n24\n151.90\n303.80\n455.70\n607.60\n25\n156.60\n313.20\n469.80\n626.40\n26\n161.40\n322.80\n484.20\n645.60\n27\n166.10\n332.20\n498.30\n664.40\n28\n170.90\n341.80\n512.70\n683.60\n29\n176.80\n353.60\n530.40\n707.20\n30\n182.70\n365.40\n548.10\n730.80\nAges 31 to 40 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n31\n188.70\n377.40\n566.10\n754.80\n32\n194.60\n389.20\n583.80\n778.40\n33\n201.70\n403.40\n605.10\n806.80\n34\n208.80\n417.60\n626.40\n835.20\n35\n217.10\n434.20\n651.30\n868.40\n36\n224.30\n448.60\n672.90\n897.20\n37\n232.60\n465.20\n697.80\n930.40\n38\n242.10\n484.20\n726.30\n968.40\n39\n250.40\n500.80\n751.20\n1,001.60\n40\n261.00\n522.00\n783.00\n1,044.00\nAges 41 to 50 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n41\n270.50\n541.00\n811.50\n1,082.00\n42\n281.20\n562.40\n843.60\n1,124.80\n43\n291.90\n583.80\n875.70\n1,167.60\n44\n303.80\n607.60\n911.40\n1,215.20\n45\n315.60\n631.20\n946.80\n1,262.40\n46\n328.70\n657.40\n986.10\n1,314.80\n47\n341.70\n683.40\n1,025.10\n1,366.80\n48\n356.00\n712.00\n1,068.00\n1,424.00\n49\n370.20\n740.40\n1,110.60\n1,480.80\n50\n385.60\n771.20\n1,156.80\n1,542.40\nAges 51 to 60 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n51\n402.20\n804.40\n1,206.60\n1,608.80\n52\n418.80\n837.60\n1,256.40\n1,675.20\n53\n437.80\n875.60\n1,313.40\n1,751.20\n54\n455.60\n911.20\n1,366.80\n1,822.40\n55\n475.80\n951.60\n1,427.40\n1,903.20\n56\n497.20\n994.40\n1,491.60\n1,988.80\n57\n518.50\n1,037.00\n1,555.50\n2,074.00\n58\n542.20\n1,084.40\n1,626.60\n2,168.80\n59\n566.00\n1,132.00\n1,698.00\n2,264.00\n60\n593.30\n1,186.60\n1,779.90\n2,373.20\nAges 61 to 70 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n61\n620.60\n1,241.20\n1,861.80\n2,482.40\n62\n647.80\n1,295.60\n1,943.40\n2,591.20\n63\n675.10\n1,350.20\n2,025.30\n2,700.40\n64\n704.80\n1,409.60\n2,114.40\n2,819.20\n65\n735.60\n1,471.20\n2,206.80\n2,942.40\n66\n768.90\n1,537.80\n2,306.70\n3,075.60\n67\n804.50\n1,609.00\n2,413.50\n3,218.00\n68\n841.20\n1,682.40\n2,523.60\n3,364.80\n69\n882.80\n1,765.60\n2,648.40\n3,531.20\n70\n925.50\n1,851.00\n2,776.50\n3,702.00\nAges 71 to 80 (yearly rates)\nAge when you apply\nYearly premium rate for $10,000 coverage (in U.S. $)\nYearly premium rate for $20,000 coverage (in U.S. $)\nYearly premium rate for $30,000 coverage (in U.S. $)\nYearly premium rate for $40,000 coverage (in U.S. $)\n71\n970.60\n1,941.20\n2,911.80\n3,882.40\n72\n1,018.00\n2,036.00\n3,054.00\n4,072.00\n73\n1,069.10\n2,138.20\n3,207.30\n4,276.40\n74\n1,123.60\n2,247.20\n3,370.80\n4,494.40\n75\n1,180.60\n2,361.20\n3,541.80\n4,722.40\n76\n1,241.10\n2,482.20\n3,723.30\n4,964.40\n77\n1,304.00\n2,608.00\n3,912.00\n5,216.00\n78\n1,371.60\n2,743.20\n4,114.80\n5,486.40\n79\n1,440.40\n2,880.80\n4,321.20\n5,761.60\n80\n1,512.80\n3,025.60\n4,538.40\n6,051.20\nHow to access your VALife policy\nIf we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy.\nIf you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy.\nAccess your policy on AccessVA\nChanging from S-DVI to VALife\nIf you have Service-Disabled Veterans Life Insurance (S-DVI), you have 2 options:\nYou can apply now for VALife,\nor\nYou can keep your S-DVI.\nYou don’t have to do anything to keep your coverage.\nWhat to know about changing to VALife\nIf you applied for VALife by December 31, 2025\n, 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.\nIf you apply for VALife on or after January 1, 2026\n, 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.\nNote:\nVALife doesn’t offer premium waivers. If you have a waiver for S-DVI premiums, your waiver won’t transfer to VALife.\nLearn more about how your enrollment in VALife affects your S-DVI coverage\nHow your beneficiaries would file a claim\nWhat to do if you have more questions\nYou can call the VA Life Insurance Center at\n(TTY: 711). Call for current hours.\nWe can help answer questions about these policies:\nVALife\nS-DVI\nAny VA life insurance policy that starts with a V, J, RS, or W","attrs_markdown":"[Skip to Content](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/valife\/#content)\n\n![U.S. flag](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/tiny-usa-flag.png)\n\nAn official website of the United States government\n\nHere’s how you know\n\n![Dot gov](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/icon-dot-gov.svg)\n\n**The .gov means it’s official.**   \n Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.\n\n![SSL](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/icon-https.svg)\n\n**The site is secure.**   \n The **https:\/\/** ensures that you're connecting to the official website and that any information you provide is encrypted and sent securely.\n\nTalk to the **Veterans Crisis Line** now ![](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/arrow-right-white.svg)\n\n[![VA logo and Seal, U.S. Department of Veterans Affairs](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/header-logo.png)](https:\/\/www.va.gov\/)\n\nLife insurance\n\n[Options and eligibility](https:\/\/www.va.gov\/life-insurance\/options-eligibility)\n\n- [Servicemembers’ Group (SGLI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/sgli)\n- [Family Servicemembers’ Group (FSGLI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/fsgli)\n- [Traumatic Injury Protection (TSGLI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/tsgli)\n  - [TSGLI loss standards](https:\/\/www.benefits.va.gov\/insurance\/tsgli_schedule_Schedule.asp)\n- [Veterans’ Group (VGLI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/vgli)\n  - [Compare VGLI to other insurance](https:\/\/www.benefits.va.gov\/insurance\/vgli_rates_compare_vgli.asp)\n- [Veterans Affairs Life Insurance (VALife)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/valife)\n- [Service-Disabled Veterans (S-DVI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/s-dvi)\n- [Veterans’ Mortgage (VMLI)](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/vmli)\n- [Other VA programs](https:\/\/www.benefits.va.gov\/insurance\/select.asp)\n\n**In this section**\n\n# Veterans Affairs Life Insurance (VALife)\nVeterans Affairs Life Insurance (VALife) provides low-cost coverage to Veterans with service-connected disabilities. Find out if you’re eligible and how to apply.\n\n## Eligibility for VALife\n### If you’re age 80 or younger\nYou’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.\n\nThere’s no time limit to apply after getting your disability rating.\n\n### If you’re age 81 or older\nYou may be eligible for VALife if you meet these requirements.\n\n**All of these must be true:**\n\n- Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, **and**\n- After you turned 81 years old, you received a rating for that same disability, **and**\n- You apply for VALife within **2 years** of getting notification of your disability rating\n\n## Apply for VALife\nYou 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.\n\n[Apply for VALife](https:\/\/insurance.va.gov\/VALIFE\/Fiduciary)\n\n## Benefits you can get with VALife\nYou can get these benefits:\n\n- Up to \\$40,000 in whole life insurance coverage (in \\$10,000 increments), **and**\n- Cash value that starts to add up 2 years after we approve your application\n\n**Note:** VALife doesn’t offer loans.\n\nVALife 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.\n\nFor more information about VALife, you can play our VALife video.\n\n[Play our VALife video on YouTube](https:\/\/www.youtube.com\/watch?v=umVFO71Ebos)\n\n## When your benefits will start\nYour full life insurance coverage starts **2 years** after you apply. You must pay the premiums during those 2 years.\n\nIf you die **during the 2-year waiting period**, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest.\n\n- Interest rate for a death in 2026: 4.23%\n- Interest rate for a death in 2025: 3.59%\n\nIf you die **after the 2-year waiting period**, we’ll pay your beneficiaries the full coverage amount of your policy.\n\n**Note:** Beneficiaries are the people you pick to get the money from your life insurance policy if you die.\n\n## How much you’ll pay for VALife\nYour 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.\n\nIf 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.\n\n**Note:** VALife doesn’t offer premium waivers.\n\n### Premium rates if you pay each month\n**Select your age to review VALife monthly premium rates.**\n\n#### Ages 18 to 30 (monthly rates)\nAge 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. \\$)\n\n18   10.90   21.80   32.70   43.60\n\n19   11.10   22.20   33.30   44.40\n\n20   11.40   22.80   34.20   45.60\n\n21   11.70   23.40   35.10   46.80\n\n22   12.10   24.20   36.30   48.40\n\n23   12.40   24.80   37.20   49.60\n\n24   12.80   25.60   38.40   51.20\n\n25   13.20   26.40   39.60   52.80\n\n26   13.60   27.20   40.80   54.40\n\n27   14.00   28.00   42.00   56.00\n\n28   14.40   28.80   43.20   57.60\n\n29   14.90   29.80   44.70   59.60\n\n30   15.40   30.80   46.20   61.60\n\n#### Ages 31 to 40 (monthly rates)\nAge 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. \\$)\n\n31   15.90   31.80   47.70   63.60\n\n32   16.40   32.80   49.20   65.60\n\n33   17.00   34.00   51.00   68.00\n\n34   17.60   35.20   52.80   70.40\n\n35   18.30   36.60   54.90   73.20\n\n36   18.90   37.80   56.70   75.60\n\n37   19.60   39.20   58.80   78.40\n\n38   20.40   40.80   61.20   81.60\n\n39   21.10   42.20   63.30   84.40\n\n40   22.00   44.00   66.00   88.00\n\n#### Ages 41 to 50 (monthly rates)\nAge 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. \\$)\n\n41   22.80   45.60   68.40   91.20\n\n42   23.70   47.40   71.10   94.80\n\n43   24.60   49.20   73.80   98.40\n\n44   25.60   51.20   76.80   102.40\n\n45   26.60   53.20   79.80   106.40\n\n46   27.70   55.40   83.10   110.80\n\n47   28.80   57.60   86.40   115.20\n\n48   30.00   60.00   90.00   120.00\n\n49   31.20   62.40   93.60   124.80\n\n50   32.50   65.00   97.50   130.00\n\n#### Ages 51 to 60 (monthly rates)\nAge 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. \\$)\n\n51   33.90   67.80   101.70   135.60\n\n52   35.30   70.60   105.90   141.20\n\n53   36.90   73.80   110.70   147.60\n\n54   38.40   76.80   115.20   153.60\n\n55   40.10   80.20   120.30   160.40\n\n56   41.90   83.80   125.70   167.60\n\n57   43.70   87.40   131.10   174.80\n\n58   45.70   91.40   137.10   182.80\n\n59   47.70   95.40   143.10   190.80\n\n60   50.00   100.00   150.00   200.00\n\n#### Ages 61 to 70 (monthly rates)\nAge 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. \\$)\n\n61   52.30   104.60   156.90   209.20\n\n62   54.60   109.20   163.80   218.40\n\n63   56.90   113.80   170.70   227.60\n\n64   59.40   118.80   178.20   237.60\n\n65   62.00   124.00   186.00   248.00\n\n66   64.80   129.60   194.40   259.20\n\n67   67.80   135.60   203.40   271.20\n\n68   70.90   141.80   212.70   283.60\n\n69   74.40   148.80   223.20   297.60\n\n70   78.00   156.00   234.00   312.00\n\n#### Ages 71 to 80 (monthly rates)\nAge 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. \\$)\n\n71   81.80   163.60   245.40   327.20\n\n72   85.80   171.60   257.40   343.20\n\n73   90.10   180.20   270.30   360.40\n\n74   94.70   189.40   284.10   378.80\n\n75   99.50   199.00   298.50   398.00\n\n76   104.60   209.20   313.80   418.40\n\n77   109.90   219.80   329.70   439.60\n\n78   115.60   231.20   346.80   462.40\n\n79   121.40   242.80   364.20   485.60\n\n80   127.50   255.00   382.50   510.00\n\n#### Ages 81 to 95 (monthly rates)\n**Note:** If you’re age 81 or older, you’re only eligible for VALife in certain cases.\n\n[Check your eligibility for VALife](https:\/\/www.va.gov\/life-insurance\/options-eligibility\/valife#eligibility-for-valife \"Veterans Affairs Life Insurance (VALife)\")\n\nAge 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. \\$)\n\n81   133.80   267.60   401.40   535.20\n\n82   140.40   280.80   421.20   561.60\n\n83   147.40   294.80   442.20   589.60\n\n84   154.70   309.40   464.10   618.80\n\n85   162.60   325.20   487.80   650.40\n\n86   171.10   342.20   513.30   684.40\n\n87   180.40   360.80   541.20   721.60\n\n88   190.90   381.80   572.70   763.60\n\n89   202.90   405.80   608.70   811.60\n\n90   217.00   434.00   651.00   868.00\n\n91   234.30   468.60   702.90   937.20\n\n92   256.40   512.80   769.20   1,025.60\n\n93   287.40   574.80   862.20   1,149.60\n\n94   337.00   674.00   1,011.00   1,348.00\n\n95   442.00   884.00   1,326.00   1,768.00\n\n### Premium rates if you choose to pay once each year\n**Select your age to review VALife yearly premium rates.**\n\n#### Ages 18 to 30 (yearly rates)\nAge 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. \\$)\n\n18   129.30   258.60   387.90   517.20\n\n19   131.70   263.40   395.10   526.80\n\n20   135.30   270.60   405.90   541.20\n\n21   138.80   277.60   416.40   555.20\n\n22   143.60   287.20   430.80   574.40\n\n23   147.10   294.20   441.30   588.40\n\n24   151.90   303.80   455.70   607.60\n\n25   156.60   313.20   469.80   626.40\n\n26   161.40   322.80   484.20   645.60\n\n27   166.10   332.20   498.30   664.40\n\n28   170.90   341.80   512.70   683.60\n\n29   176.80   353.60   530.40   707.20\n\n30   182.70   365.40   548.10   730.80\n\n#### Ages 31 to 40 (yearly rates)\nAge 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. \\$)\n\n31   188.70   377.40   566.10   754.80\n\n32   194.60   389.20   583.80   778.40\n\n33   201.70   403.40   605.10   806.80\n\n34   208.80   417.60   626.40   835.20\n\n35   217.10   434.20   651.30   868.40\n\n36   224.30   448.60   672.90   897.20\n\n37   232.60   465.20   697.80   930.40\n\n38   242.10   484.20   726.30   968.40\n\n39   250.40   500.80   751.20   1,001.60\n\n40   261.00   522.00   783.00   1,044.00\n\n#### Ages 41 to 50 (yearly rates)\nAge 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. \\$)\n\n41   270.50   541.00   811.50   1,082.00\n\n42   281.20   562.40   843.60   1,124.80\n\n43   291.90   583.80   875.70   1,167.60\n\n44   303.80   607.60   911.40   1,215.20\n\n45   315.60   631.20   946.80   1,262.40\n\n46   328.70   657.40   986.10   1,314.80\n\n47   341.70   683.40   1,025.10   1,366.80\n\n48   356.00   712.00   1,068.00   1,424.00\n\n49   370.20   740.40   1,110.60   1,480.80\n\n50   385.60   771.20   1,156.80   1,542.40\n\n#### Ages 51 to 60 (yearly rates)\nAge 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. \\$)\n\n51   402.20   804.40   1,206.60   1,608.80\n\n52   418.80   837.60   1,256.40   1,675.20\n\n53   437.80   875.60   1,313.40   1,751.20\n\n54   455.60   911.20   1,366.80   1,822.40\n\n55   475.80   951.60   1,427.40   1,903.20\n\n56   497.20   994.40   1,491.60   1,988.80\n\n57   518.50   1,037.00   1,555.50   2,074.00\n\n58   542.20   1,084.40   1,626.60   2,168.80\n\n59   566.00   1,132.00   1,698.00   2,264.00\n\n60   593.30   1,186.60   1,779.90   2,373.20\n\n#### Ages 61 to 70 (yearly rates)\nAge 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. \\$)\n\n61   620.60   1,241.20   1,861.80   2,482.40\n\n62   647.80   1,295.60   1,943.40   2,591.20\n\n63   675.10   1,350.20   2,025.30   2,700.40\n\n64   704.80   1,409.60   2,114.40   2,819.20\n\n65   735.60   1,471.20   2,206.80   2,942.40\n\n66   768.90   1,537.80   2,306.70   3,075.60\n\n67   804.50   1,609.00   2,413.50   3,218.00\n\n68   841.20   1,682.40   2,523.60   3,364.80\n\n69   882.80   1,765.60   2,648.40   3,531.20\n\n70   925.50   1,851.00   2,776.50   3,702.00\n\n#### Ages 71 to 80 (yearly rates)\nAge 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. \\$)\n\n71   970.60   1,941.20   2,911.80   3,882.40\n\n72   1,018.00   2,036.00   3,054.00   4,072.00\n\n73   1,069.10   2,138.20   3,207.30   4,276.40\n\n74   1,123.60   2,247.20   3,370.80   4,494.40\n\n75   1,180.60   2,361.20   3,541.80   4,722.40\n\n76   1,241.10   2,482.20   3,723.30   4,964.40\n\n77   1,304.00   2,608.00   3,912.00   5,216.00\n\n78   1,371.60   2,743.20   4,114.80   5,486.40\n\n79   1,440.40   2,880.80   4,321.20   5,761.60\n\n80   1,512.80   3,025.60   4,538.40   6,051.20\n\n## How to access your VALife policy\nIf we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy.\n\nIf you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy.\n\n[Access your policy on AccessVA](https:\/\/eauth.va.gov\/accessva\/?cspSelectFor=einsurance)\n\n## Changing from S-DVI to VALife\nIf you have Service-Disabled Veterans Life Insurance (S-DVI), you have 2 options:\n\n- You can apply now for VALife, **or**\n- You can keep your S-DVI.You don’t have to do anything to keep your coverage.\n### What to know about changing to VALife\n**If you applied 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.\n\n**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.\n\n**Note:** VALife doesn’t offer premium waivers. If you have a waiver for S-DVI premiums, your waiver won’t transfer to VALife.\n\n[Learn more about how your enrollment in VALife affects your S-DVI coverage](https:\/\/www.benefits.va.gov\/insurance\/valife-faqs.asp#How_Getting_VALife_Impacts_Your_S-DVI)\n\n## How your beneficiaries would file a claim\nYour 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.\n\n[Go to VA Form 29-4125 on the DocuSign website](https:\/\/apps.docusign.com\/webforms\/us\/8d0150f5dfb0346b1d4c9edcd739fcec?r=1)\n\nOr they can fill out the form and then upload it online or send it by mail.\n\n[Get VA Form 29-4125 to download](https:\/\/www.va.gov\/forms\/29-4125 \"About VA Form 29-4125\")\n\n### By secure upload\nUse our secure online tool to upload the completed form.\n\n[Upload claim forms and other life insurance documents online](https:\/\/insurance.va.gov\/IDU)\n\n### By mail\nMail the completed form to this address:\n\nDepartment of Veterans Affairs  \nInsurance Center  \nPO Box 5209  \nJanesville, WI 53547\n\n## What to do if you have more questions\nYou can call the VA Life Insurance Center at  (TTY: 711). Call for current hours.\n\nWe can help answer questions about these policies:\n\n- VALife\n- S-DVI\n- Any VA life insurance policy that starts with a V, J, RS, or W\n\n## More information about your benefits\n- ###\n  Already have VA life insurance? Access your policy online, pay your premiums, or update your beneficiaries.\n- ###\n  Veterans’ Mortgage Life Insurance (VMLI) offers mortgage protection insurance to the families of Veterans with severe service-connected disabilities who’ve adapted a home to fit their needs. Find out if you qualify and how to apply.\n\nLast updated: January 13, 2026","attrs_readable_markdown":"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.\n\n## Eligibility for VALife\n### If you’re age 80 or younger\nYou’re eligible for VALife if you have a VA service-connected disability rating—even if your rating is 0%.\n\nThere’s no time limit to apply after getting your disability rating.\n\n### If you’re age 81 or older\nYou may be eligible for VALife if you meet these requirements.\n\n**All of these must be true:**\n\n- Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, **and**\n- After you turned 81 years old, you received a rating for that same disability, **and**\n- You apply for VALife within **2 years** of getting notification of your disability rating\n\n## Apply for VALife\nYou 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.\n\n[Apply for VALife](https:\/\/insurance.va.gov\/VALIFE\/Fiduciary)\n\n## Benefits you can get with VALife\nYou can get these benefits:\n\n- Up to \\$40,000 in whole life insurance coverage (in \\$10,000 increments), **and**\n- Cash value that starts to add up 2 years after we approve your application\n\n**Note:** VALife doesn’t offer loans.\n\nVALife 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.\n\nFor more information about VALife, you can play our VALife video.\n\n[Play our VALife video on YouTube](https:\/\/www.youtube.com\/watch?v=umVFO71Ebos)\n\n## When your benefits will start\nYour full life insurance coverage starts **2 years** after you apply. You must pay the premiums during those 2 years.\n\nIf you die **during the 2-year waiting period**, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest.\n\n- Interest rate for a death in 2026: 4.23%\n- Interest rate for a death in 2025: 3.59%\n\nIf you die **after the 2-year waiting period**, we’ll pay your beneficiaries the full coverage amount of your policy.\n\n**Note:** Beneficiaries are the people you pick to get the money from your life insurance policy if you die.\n\n## How much you’ll pay for VALife\nYour 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.\n\nIf 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.\n\n**Note:** VALife doesn’t offer premium waivers.\n\n### Premium rates if you pay each month\n**Select your age to review VALife monthly premium rates.**\n\n#### Ages 18 to 30 (monthly rates)\nAge 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. \\$)\n\n18   10.90   21.80   32.70   43.60\n\n19   11.10   22.20   33.30   44.40\n\n20   11.40   22.80   34.20   45.60\n\n21   11.70   23.40   35.10   46.80\n\n22   12.10   24.20   36.30   48.40\n\n23   12.40   24.80   37.20   49.60\n\n24   12.80   25.60   38.40   51.20\n\n25   13.20   26.40   39.60   52.80\n\n26   13.60   27.20   40.80   54.40\n\n27   14.00   28.00   42.00   56.00\n\n28   14.40   28.80   43.20   57.60\n\n29   14.90   29.80   44.70   59.60\n\n30   15.40   30.80   46.20   61.60\n\n#### Ages 31 to 40 (monthly rates)\nAge 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. \\$)\n\n31   15.90   31.80   47.70   63.60\n\n32   16.40   32.80   49.20   65.60\n\n33   17.00   34.00   51.00   68.00\n\n34   17.60   35.20   52.80   70.40\n\n35   18.30   36.60   54.90   73.20\n\n36   18.90   37.80   56.70   75.60\n\n37   19.60   39.20   58.80   78.40\n\n38   20.40   40.80   61.20   81.60\n\n39   21.10   42.20   63.30   84.40\n\n40   22.00   44.00   66.00   88.00\n\n#### Ages 41 to 50 (monthly rates)\nAge 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. \\$)\n\n41   22.80   45.60   68.40   91.20\n\n42   23.70   47.40   71.10   94.80\n\n43   24.60   49.20   73.80   98.40\n\n44   25.60   51.20   76.80   102.40\n\n45   26.60   53.20   79.80   106.40\n\n46   27.70   55.40   83.10   110.80\n\n47   28.80   57.60   86.40   115.20\n\n48   30.00   60.00   90.00   120.00\n\n49   31.20   62.40   93.60   124.80\n\n50   32.50   65.00   97.50   130.00\n\n#### Ages 51 to 60 (monthly rates)\nAge 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. \\$)\n\n51   33.90   67.80   101.70   135.60\n\n52   35.30   70.60   105.90   141.20\n\n53   36.90   73.80   110.70   147.60\n\n54   38.40   76.80   115.20   153.60\n\n55   40.10   80.20   120.30   160.40\n\n56   41.90   83.80   125.70   167.60\n\n57   43.70   87.40   131.10   174.80\n\n58   45.70   91.40   137.10   182.80\n\n59   47.70   95.40   143.10   190.80\n\n60   50.00   100.00   150.00   200.00\n\n#### Ages 61 to 70 (monthly rates)\nAge 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. \\$)\n\n61   52.30   104.60   156.90   209.20\n\n62   54.60   109.20   163.80   218.40\n\n63   56.90   113.80   170.70   227.60\n\n64   59.40   118.80   178.20   237.60\n\n65   62.00   124.00   186.00   248.00\n\n66   64.80   129.60   194.40   259.20\n\n67   67.80   135.60   203.40   271.20\n\n68   70.90   141.80   212.70   283.60\n\n69   74.40   148.80   223.20   297.60\n\n70   78.00   156.00   234.00   312.00\n\n#### Ages 71 to 80 (monthly rates)\nAge 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. \\$)\n\n71   81.80   163.60   245.40   327.20\n\n72   85.80   171.60   257.40   343.20\n\n73   90.10   180.20   270.30   360.40\n\n74   94.70   189.40   284.10   378.80\n\n75   99.50   199.00   298.50   398.00\n\n76   104.60   209.20   313.80   418.40\n\n77   109.90   219.80   329.70   439.60\n\n78   115.60   231.20   346.80   462.40\n\n79   121.40   242.80   364.20   485.60\n\n80   127.50   255.00   382.50   510.00\n\n#### Ages 81 to 95 (monthly rates)\nAge 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. \\$)\n\n81   133.80   267.60   401.40   535.20\n\n82   140.40   280.80   421.20   561.60\n\n83   147.40   294.80   442.20   589.60\n\n84   154.70   309.40   464.10   618.80\n\n85   162.60   325.20   487.80   650.40\n\n86   171.10   342.20   513.30   684.40\n\n87   180.40   360.80   541.20   721.60\n\n88   190.90   381.80   572.70   763.60\n\n89   202.90   405.80   608.70   811.60\n\n90   217.00   434.00   651.00   868.00\n\n91   234.30   468.60   702.90   937.20\n\n92   256.40   512.80   769.20   1,025.60\n\n93   287.40   574.80   862.20   1,149.60\n\n94   337.00   674.00   1,011.00   1,348.00\n\n95   442.00   884.00   1,326.00   1,768.00\n\n### Premium rates if you choose to pay once each year\n**Select your age to review VALife yearly premium rates.**\n\n#### Ages 18 to 30 (yearly rates)\nAge 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. \\$)\n\n18   129.30   258.60   387.90   517.20\n\n19   131.70   263.40   395.10   526.80\n\n20   135.30   270.60   405.90   541.20\n\n21   138.80   277.60   416.40   555.20\n\n22   143.60   287.20   430.80   574.40\n\n23   147.10   294.20   441.30   588.40\n\n24   151.90   303.80   455.70   607.60\n\n25   156.60   313.20   469.80   626.40\n\n26   161.40   322.80   484.20   645.60\n\n27   166.10   332.20   498.30   664.40\n\n28   170.90   341.80   512.70   683.60\n\n29   176.80   353.60   530.40   707.20\n\n30   182.70   365.40   548.10   730.80\n\n#### Ages 31 to 40 (yearly rates)\nAge 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. \\$)\n\n31   188.70   377.40   566.10   754.80\n\n32   194.60   389.20   583.80   778.40\n\n33   201.70   403.40   605.10   806.80\n\n34   208.80   417.60   626.40   835.20\n\n35   217.10   434.20   651.30   868.40\n\n36   224.30   448.60   672.90   897.20\n\n37   232.60   465.20   697.80   930.40\n\n38   242.10   484.20   726.30   968.40\n\n39   250.40   500.80   751.20   1,001.60\n\n40   261.00   522.00   783.00   1,044.00\n\n#### Ages 41 to 50 (yearly rates)\nAge 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. \\$)\n\n41   270.50   541.00   811.50   1,082.00\n\n42   281.20   562.40   843.60   1,124.80\n\n43   291.90   583.80   875.70   1,167.60\n\n44   303.80   607.60   911.40   1,215.20\n\n45   315.60   631.20   946.80   1,262.40\n\n46   328.70   657.40   986.10   1,314.80\n\n47   341.70   683.40   1,025.10   1,366.80\n\n48   356.00   712.00   1,068.00   1,424.00\n\n49   370.20   740.40   1,110.60   1,480.80\n\n50   385.60   771.20   1,156.80   1,542.40\n\n#### Ages 51 to 60 (yearly rates)\nAge 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. \\$)\n\n51   402.20   804.40   1,206.60   1,608.80\n\n52   418.80   837.60   1,256.40   1,675.20\n\n53   437.80   875.60   1,313.40   1,751.20\n\n54   455.60   911.20   1,366.80   1,822.40\n\n55   475.80   951.60   1,427.40   1,903.20\n\n56   497.20   994.40   1,491.60   1,988.80\n\n57   518.50   1,037.00   1,555.50   2,074.00\n\n58   542.20   1,084.40   1,626.60   2,168.80\n\n59   566.00   1,132.00   1,698.00   2,264.00\n\n60   593.30   1,186.60   1,779.90   2,373.20\n\n#### Ages 61 to 70 (yearly rates)\nAge 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. \\$)\n\n61   620.60   1,241.20   1,861.80   2,482.40\n\n62   647.80   1,295.60   1,943.40   2,591.20\n\n63   675.10   1,350.20   2,025.30   2,700.40\n\n64   704.80   1,409.60   2,114.40   2,819.20\n\n65   735.60   1,471.20   2,206.80   2,942.40\n\n66   768.90   1,537.80   2,306.70   3,075.60\n\n67   804.50   1,609.00   2,413.50   3,218.00\n\n68   841.20   1,682.40   2,523.60   3,364.80\n\n69   882.80   1,765.60   2,648.40   3,531.20\n\n70   925.50   1,851.00   2,776.50   3,702.00\n\n#### Ages 71 to 80 (yearly rates)\nAge 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. \\$)\n\n71   970.60   1,941.20   2,911.80   3,882.40\n\n72   1,018.00   2,036.00   3,054.00   4,072.00\n\n73   1,069.10   2,138.20   3,207.30   4,276.40\n\n74   1,123.60   2,247.20   3,370.80   4,494.40\n\n75   1,180.60   2,361.20   3,541.80   4,722.40\n\n76   1,241.10   2,482.20   3,723.30   4,964.40\n\n77   1,304.00   2,608.00   3,912.00   5,216.00\n\n78   1,371.60   2,743.20   4,114.80   5,486.40\n\n79   1,440.40   2,880.80   4,321.20   5,761.60\n\n80   1,512.80   3,025.60   4,538.40   6,051.20\n\nHow to access your VALife policy\n\nIf we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy.\n\nIf you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy.\n\n[Access your policy on AccessVA](https:\/\/eauth.va.gov\/accessva\/?cspSelectFor=einsurance)\n\nChanging from S-DVI to VALife\n\nIf you have Service-Disabled Veterans Life Insurance (S-DVI), you have 2 options:\n\n- You can apply now for VALife, **or**\n- You can keep your S-DVI.You don’t have to do anything to keep your coverage.\n### What to know about changing to VALife\n**If you applied 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.\n\n**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.\n\n**Note:** VALife doesn’t offer premium waivers. If you have a waiver for S-DVI premiums, your waiver won’t transfer to VALife.\n\n[Learn more about how your enrollment in VALife affects your S-DVI coverage](https:\/\/www.benefits.va.gov\/insurance\/valife-faqs.asp#How_Getting_VALife_Impacts_Your_S-DVI)\n\nHow your beneficiaries would file a claim\n\nWhat to do if you have more questions\n\nYou can call the VA Life Insurance Center at  (TTY: 711). Call for current hours.\n\nWe can help answer questions about these policies:\n\n- VALife\n- S-DVI\n- Any VA life insurance policy that starts with a V, J, RS, or W","meta_canonical":null}

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Property	Value
URL	https://www.va.gov/life-insurance/options-eligibility/valife/
Last Crawled	2026-03-31 23:57:06 (12 days ago)
First Indexed	2023-01-04 19:05:20 (3 years ago)
HTTP Status Code	200
Meta Title	Veterans Affairs Life Insurance (VALife) \| Veterans Affairs
Meta Description	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.
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Boilerpipe Text	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: Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, and After you turned 81 years old, you received a rating for that same disability, and You apply for VALife within 2 years of getting notification of your disability rating 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 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 Note: VALife doesn’t offer loans. 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. For more information about VALife, you can play our VALife video. Play our VALife video on YouTube 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. If you die during the 2-year waiting period , we’ll pay your beneficiaries the total amount you paid in premiums, plus interest. Interest rate for a death in 2026: 4.23% Interest rate for a death in 2025: 3.59% If you die after the 2-year waiting period , we’ll pay your beneficiaries the full coverage amount of your policy. Note: Beneficiaries are the people you pick to get the money from your life insurance policy if you die. 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) 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. $) 18 10.90 21.80 32.70 43.60 19 11.10 22.20 33.30 44.40 20 11.40 22.80 34.20 45.60 21 11.70 23.40 35.10 46.80 22 12.10 24.20 36.30 48.40 23 12.40 24.80 37.20 49.60 24 12.80 25.60 38.40 51.20 25 13.20 26.40 39.60 52.80 26 13.60 27.20 40.80 54.40 27 14.00 28.00 42.00 56.00 28 14.40 28.80 43.20 57.60 29 14.90 29.80 44.70 59.60 30 15.40 30.80 46.20 61.60 Ages 31 to 40 (monthly rates) 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. $) 31 15.90 31.80 47.70 63.60 32 16.40 32.80 49.20 65.60 33 17.00 34.00 51.00 68.00 34 17.60 35.20 52.80 70.40 35 18.30 36.60 54.90 73.20 36 18.90 37.80 56.70 75.60 37 19.60 39.20 58.80 78.40 38 20.40 40.80 61.20 81.60 39 21.10 42.20 63.30 84.40 40 22.00 44.00 66.00 88.00 Ages 41 to 50 (monthly rates) 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. $) 41 22.80 45.60 68.40 91.20 42 23.70 47.40 71.10 94.80 43 24.60 49.20 73.80 98.40 44 25.60 51.20 76.80 102.40 45 26.60 53.20 79.80 106.40 46 27.70 55.40 83.10 110.80 47 28.80 57.60 86.40 115.20 48 30.00 60.00 90.00 120.00 49 31.20 62.40 93.60 124.80 50 32.50 65.00 97.50 130.00 Ages 51 to 60 (monthly rates) 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. $) 51 33.90 67.80 101.70 135.60 52 35.30 70.60 105.90 141.20 53 36.90 73.80 110.70 147.60 54 38.40 76.80 115.20 153.60 55 40.10 80.20 120.30 160.40 56 41.90 83.80 125.70 167.60 57 43.70 87.40 131.10 174.80 58 45.70 91.40 137.10 182.80 59 47.70 95.40 143.10 190.80 60 50.00 100.00 150.00 200.00 Ages 61 to 70 (monthly rates) 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. $) 61 52.30 104.60 156.90 209.20 62 54.60 109.20 163.80 218.40 63 56.90 113.80 170.70 227.60 64 59.40 118.80 178.20 237.60 65 62.00 124.00 186.00 248.00 66 64.80 129.60 194.40 259.20 67 67.80 135.60 203.40 271.20 68 70.90 141.80 212.70 283.60 69 74.40 148.80 223.20 297.60 70 78.00 156.00 234.00 312.00 Ages 71 to 80 (monthly rates) 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. $) 71 81.80 163.60 245.40 327.20 72 85.80 171.60 257.40 343.20 73 90.10 180.20 270.30 360.40 74 94.70 189.40 284.10 378.80 75 99.50 199.00 298.50 398.00 76 104.60 209.20 313.80 418.40 77 109.90 219.80 329.70 439.60 78 115.60 231.20 346.80 462.40 79 121.40 242.80 364.20 485.60 80 127.50 255.00 382.50 510.00 Ages 81 to 95 (monthly rates) 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. $) 81 133.80 267.60 401.40 535.20 82 140.40 280.80 421.20 561.60 83 147.40 294.80 442.20 589.60 84 154.70 309.40 464.10 618.80 85 162.60 325.20 487.80 650.40 86 171.10 342.20 513.30 684.40 87 180.40 360.80 541.20 721.60 88 190.90 381.80 572.70 763.60 89 202.90 405.80 608.70 811.60 90 217.00 434.00 651.00 868.00 91 234.30 468.60 702.90 937.20 92 256.40 512.80 769.20 1,025.60 93 287.40 574.80 862.20 1,149.60 94 337.00 674.00 1,011.00 1,348.00 95 442.00 884.00 1,326.00 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) 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. $) 18 129.30 258.60 387.90 517.20 19 131.70 263.40 395.10 526.80 20 135.30 270.60 405.90 541.20 21 138.80 277.60 416.40 555.20 22 143.60 287.20 430.80 574.40 23 147.10 294.20 441.30 588.40 24 151.90 303.80 455.70 607.60 25 156.60 313.20 469.80 626.40 26 161.40 322.80 484.20 645.60 27 166.10 332.20 498.30 664.40 28 170.90 341.80 512.70 683.60 29 176.80 353.60 530.40 707.20 30 182.70 365.40 548.10 730.80 Ages 31 to 40 (yearly rates) 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. $) 31 188.70 377.40 566.10 754.80 32 194.60 389.20 583.80 778.40 33 201.70 403.40 605.10 806.80 34 208.80 417.60 626.40 835.20 35 217.10 434.20 651.30 868.40 36 224.30 448.60 672.90 897.20 37 232.60 465.20 697.80 930.40 38 242.10 484.20 726.30 968.40 39 250.40 500.80 751.20 1,001.60 40 261.00 522.00 783.00 1,044.00 Ages 41 to 50 (yearly rates) 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. $) 41 270.50 541.00 811.50 1,082.00 42 281.20 562.40 843.60 1,124.80 43 291.90 583.80 875.70 1,167.60 44 303.80 607.60 911.40 1,215.20 45 315.60 631.20 946.80 1,262.40 46 328.70 657.40 986.10 1,314.80 47 341.70 683.40 1,025.10 1,366.80 48 356.00 712.00 1,068.00 1,424.00 49 370.20 740.40 1,110.60 1,480.80 50 385.60 771.20 1,156.80 1,542.40 Ages 51 to 60 (yearly rates) 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. $) 51 402.20 804.40 1,206.60 1,608.80 52 418.80 837.60 1,256.40 1,675.20 53 437.80 875.60 1,313.40 1,751.20 54 455.60 911.20 1,366.80 1,822.40 55 475.80 951.60 1,427.40 1,903.20 56 497.20 994.40 1,491.60 1,988.80 57 518.50 1,037.00 1,555.50 2,074.00 58 542.20 1,084.40 1,626.60 2,168.80 59 566.00 1,132.00 1,698.00 2,264.00 60 593.30 1,186.60 1,779.90 2,373.20 Ages 61 to 70 (yearly rates) 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. $) 61 620.60 1,241.20 1,861.80 2,482.40 62 647.80 1,295.60 1,943.40 2,591.20 63 675.10 1,350.20 2,025.30 2,700.40 64 704.80 1,409.60 2,114.40 2,819.20 65 735.60 1,471.20 2,206.80 2,942.40 66 768.90 1,537.80 2,306.70 3,075.60 67 804.50 1,609.00 2,413.50 3,218.00 68 841.20 1,682.40 2,523.60 3,364.80 69 882.80 1,765.60 2,648.40 3,531.20 70 925.50 1,851.00 2,776.50 3,702.00 Ages 71 to 80 (yearly rates) 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. $) 71 970.60 1,941.20 2,911.80 3,882.40 72 1,018.00 2,036.00 3,054.00 4,072.00 73 1,069.10 2,138.20 3,207.30 4,276.40 74 1,123.60 2,247.20 3,370.80 4,494.40 75 1,180.60 2,361.20 3,541.80 4,722.40 76 1,241.10 2,482.20 3,723.30 4,964.40 77 1,304.00 2,608.00 3,912.00 5,216.00 78 1,371.60 2,743.20 4,114.80 5,486.40 79 1,440.40 2,880.80 4,321.20 5,761.60 80 1,512.80 3,025.60 4,538.40 6,051.20 How to access your VALife policy If we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy. If you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy. Access your policy on AccessVA 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 applied 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. Learn more about how your enrollment in VALife affects your S-DVI coverage How your beneficiaries would file a claim What to do if you have more questions You can call the VA Life Insurance Center at (TTY: 711). Call for current hours. 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
Markdown	[Skip to Content](https://www.va.gov/life-insurance/options-eligibility/valife/#content) ![U.S. flag](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/tiny-usa-flag.png) An official website of the United States government Here’s how you know ![Dot gov](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/icon-dot-gov.svg) The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site. ![SSL](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/icon-https.svg) The site is secure. The https:// ensures that you're connecting to the official website and that any information you provide is encrypted and sent securely. Talk to the Veterans Crisis Line now ![](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/arrow-right-white.svg) [![VA logo and Seal, U.S. Department of Veterans Affairs](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/header-logo.png)](https://www.va.gov/) Life insurance [Options and eligibility](https://www.va.gov/life-insurance/options-eligibility) - [Servicemembers’ Group (SGLI)](https://www.va.gov/life-insurance/options-eligibility/sgli) - [Family Servicemembers’ Group (FSGLI)](https://www.va.gov/life-insurance/options-eligibility/fsgli) - [Traumatic Injury Protection (TSGLI)](https://www.va.gov/life-insurance/options-eligibility/tsgli) - [TSGLI loss standards](https://www.benefits.va.gov/insurance/tsgli_schedule_Schedule.asp) - [Veterans’ Group (VGLI)](https://www.va.gov/life-insurance/options-eligibility/vgli) - [Compare VGLI to other insurance](https://www.benefits.va.gov/insurance/vgli_rates_compare_vgli.asp) - [Veterans Affairs Life Insurance (VALife)](https://www.va.gov/life-insurance/options-eligibility/valife) - [Service-Disabled Veterans (S-DVI)](https://www.va.gov/life-insurance/options-eligibility/s-dvi) - [Veterans’ Mortgage (VMLI)](https://www.va.gov/life-insurance/options-eligibility/vmli) - [Other VA programs](https://www.benefits.va.gov/insurance/select.asp) In this section # 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: - Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, and - After you turned 81 years old, you received a rating for that same disability, and - You apply for VALife within 2 years of getting notification of your disability rating ## 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](https://insurance.va.gov/VALIFE/Fiduciary) ## 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 Note: VALife doesn’t offer loans. 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. For more information about VALife, you can play our VALife video. [Play our VALife video on YouTube](https://www.youtube.com/watch?v=umVFO71Ebos) ## 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. If you die during the 2-year waiting period, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest. - Interest rate for a death in 2026: 4.23% - Interest rate for a death in 2025: 3.59% If you die after the 2-year waiting period, we’ll pay your beneficiaries the full coverage amount of your policy. Note: Beneficiaries are the people you pick to get the money from your life insurance policy if you die. ## 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) 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. \$) 18 10.90 21.80 32.70 43.60 19 11.10 22.20 33.30 44.40 20 11.40 22.80 34.20 45.60 21 11.70 23.40 35.10 46.80 22 12.10 24.20 36.30 48.40 23 12.40 24.80 37.20 49.60 24 12.80 25.60 38.40 51.20 25 13.20 26.40 39.60 52.80 26 13.60 27.20 40.80 54.40 27 14.00 28.00 42.00 56.00 28 14.40 28.80 43.20 57.60 29 14.90 29.80 44.70 59.60 30 15.40 30.80 46.20 61.60 #### Ages 31 to 40 (monthly rates) 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. \$) 31 15.90 31.80 47.70 63.60 32 16.40 32.80 49.20 65.60 33 17.00 34.00 51.00 68.00 34 17.60 35.20 52.80 70.40 35 18.30 36.60 54.90 73.20 36 18.90 37.80 56.70 75.60 37 19.60 39.20 58.80 78.40 38 20.40 40.80 61.20 81.60 39 21.10 42.20 63.30 84.40 40 22.00 44.00 66.00 88.00 #### Ages 41 to 50 (monthly rates) 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. \$) 41 22.80 45.60 68.40 91.20 42 23.70 47.40 71.10 94.80 43 24.60 49.20 73.80 98.40 44 25.60 51.20 76.80 102.40 45 26.60 53.20 79.80 106.40 46 27.70 55.40 83.10 110.80 47 28.80 57.60 86.40 115.20 48 30.00 60.00 90.00 120.00 49 31.20 62.40 93.60 124.80 50 32.50 65.00 97.50 130.00 #### Ages 51 to 60 (monthly rates) 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. \$) 51 33.90 67.80 101.70 135.60 52 35.30 70.60 105.90 141.20 53 36.90 73.80 110.70 147.60 54 38.40 76.80 115.20 153.60 55 40.10 80.20 120.30 160.40 56 41.90 83.80 125.70 167.60 57 43.70 87.40 131.10 174.80 58 45.70 91.40 137.10 182.80 59 47.70 95.40 143.10 190.80 60 50.00 100.00 150.00 200.00 #### Ages 61 to 70 (monthly rates) 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. \$) 61 52.30 104.60 156.90 209.20 62 54.60 109.20 163.80 218.40 63 56.90 113.80 170.70 227.60 64 59.40 118.80 178.20 237.60 65 62.00 124.00 186.00 248.00 66 64.80 129.60 194.40 259.20 67 67.80 135.60 203.40 271.20 68 70.90 141.80 212.70 283.60 69 74.40 148.80 223.20 297.60 70 78.00 156.00 234.00 312.00 #### Ages 71 to 80 (monthly rates) 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. \$) 71 81.80 163.60 245.40 327.20 72 85.80 171.60 257.40 343.20 73 90.10 180.20 270.30 360.40 74 94.70 189.40 284.10 378.80 75 99.50 199.00 298.50 398.00 76 104.60 209.20 313.80 418.40 77 109.90 219.80 329.70 439.60 78 115.60 231.20 346.80 462.40 79 121.40 242.80 364.20 485.60 80 127.50 255.00 382.50 510.00 #### 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](https://www.va.gov/life-insurance/options-eligibility/valife#eligibility-for-valife "Veterans Affairs Life Insurance (VALife)") 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. \$) 81 133.80 267.60 401.40 535.20 82 140.40 280.80 421.20 561.60 83 147.40 294.80 442.20 589.60 84 154.70 309.40 464.10 618.80 85 162.60 325.20 487.80 650.40 86 171.10 342.20 513.30 684.40 87 180.40 360.80 541.20 721.60 88 190.90 381.80 572.70 763.60 89 202.90 405.80 608.70 811.60 90 217.00 434.00 651.00 868.00 91 234.30 468.60 702.90 937.20 92 256.40 512.80 769.20 1,025.60 93 287.40 574.80 862.20 1,149.60 94 337.00 674.00 1,011.00 1,348.00 95 442.00 884.00 1,326.00 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) 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. \$) 18 129.30 258.60 387.90 517.20 19 131.70 263.40 395.10 526.80 20 135.30 270.60 405.90 541.20 21 138.80 277.60 416.40 555.20 22 143.60 287.20 430.80 574.40 23 147.10 294.20 441.30 588.40 24 151.90 303.80 455.70 607.60 25 156.60 313.20 469.80 626.40 26 161.40 322.80 484.20 645.60 27 166.10 332.20 498.30 664.40 28 170.90 341.80 512.70 683.60 29 176.80 353.60 530.40 707.20 30 182.70 365.40 548.10 730.80 #### Ages 31 to 40 (yearly rates) 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. \$) 31 188.70 377.40 566.10 754.80 32 194.60 389.20 583.80 778.40 33 201.70 403.40 605.10 806.80 34 208.80 417.60 626.40 835.20 35 217.10 434.20 651.30 868.40 36 224.30 448.60 672.90 897.20 37 232.60 465.20 697.80 930.40 38 242.10 484.20 726.30 968.40 39 250.40 500.80 751.20 1,001.60 40 261.00 522.00 783.00 1,044.00 #### Ages 41 to 50 (yearly rates) 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. \$) 41 270.50 541.00 811.50 1,082.00 42 281.20 562.40 843.60 1,124.80 43 291.90 583.80 875.70 1,167.60 44 303.80 607.60 911.40 1,215.20 45 315.60 631.20 946.80 1,262.40 46 328.70 657.40 986.10 1,314.80 47 341.70 683.40 1,025.10 1,366.80 48 356.00 712.00 1,068.00 1,424.00 49 370.20 740.40 1,110.60 1,480.80 50 385.60 771.20 1,156.80 1,542.40 #### Ages 51 to 60 (yearly rates) 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. \$) 51 402.20 804.40 1,206.60 1,608.80 52 418.80 837.60 1,256.40 1,675.20 53 437.80 875.60 1,313.40 1,751.20 54 455.60 911.20 1,366.80 1,822.40 55 475.80 951.60 1,427.40 1,903.20 56 497.20 994.40 1,491.60 1,988.80 57 518.50 1,037.00 1,555.50 2,074.00 58 542.20 1,084.40 1,626.60 2,168.80 59 566.00 1,132.00 1,698.00 2,264.00 60 593.30 1,186.60 1,779.90 2,373.20 #### Ages 61 to 70 (yearly rates) 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. \$) 61 620.60 1,241.20 1,861.80 2,482.40 62 647.80 1,295.60 1,943.40 2,591.20 63 675.10 1,350.20 2,025.30 2,700.40 64 704.80 1,409.60 2,114.40 2,819.20 65 735.60 1,471.20 2,206.80 2,942.40 66 768.90 1,537.80 2,306.70 3,075.60 67 804.50 1,609.00 2,413.50 3,218.00 68 841.20 1,682.40 2,523.60 3,364.80 69 882.80 1,765.60 2,648.40 3,531.20 70 925.50 1,851.00 2,776.50 3,702.00 #### Ages 71 to 80 (yearly rates) 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. \$) 71 970.60 1,941.20 2,911.80 3,882.40 72 1,018.00 2,036.00 3,054.00 4,072.00 73 1,069.10 2,138.20 3,207.30 4,276.40 74 1,123.60 2,247.20 3,370.80 4,494.40 75 1,180.60 2,361.20 3,541.80 4,722.40 76 1,241.10 2,482.20 3,723.30 4,964.40 77 1,304.00 2,608.00 3,912.00 5,216.00 78 1,371.60 2,743.20 4,114.80 5,486.40 79 1,440.40 2,880.80 4,321.20 5,761.60 80 1,512.80 3,025.60 4,538.40 6,051.20 ## How to access your VALife policy If we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy. If you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy. [Access your policy on AccessVA](https://eauth.va.gov/accessva/?cspSelectFor=einsurance) ## 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 applied 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. [Learn more about how your enrollment in VALife affects your S-DVI coverage](https://www.benefits.va.gov/insurance/valife-faqs.asp#How_Getting_VALife_Impacts_Your_S-DVI) ## 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](https://apps.docusign.com/webforms/us/8d0150f5dfb0346b1d4c9edcd739fcec?r=1) Or they can fill out the form and then upload it online or send it by mail. [Get VA Form 29-4125 to download](https://www.va.gov/forms/29-4125 "About VA Form 29-4125") ### By secure upload Use our secure online tool to upload the completed form. [Upload claim forms and other life insurance documents online](https://insurance.va.gov/IDU) ### By mail Mail the completed form to this address: Department of Veterans Affairs Insurance Center PO Box 5209 Janesville, WI 53547 ## What to do if you have more questions You can call the VA Life Insurance Center at (TTY: 711). Call for current hours. 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 ## More information about your benefits - ### Already have VA life insurance? Access your policy online, pay your premiums, or update your beneficiaries. - ### Veterans’ Mortgage Life Insurance (VMLI) offers mortgage protection insurance to the families of Veterans with severe service-connected disabilities who’ve adapted a home to fit their needs. Find out if you qualify and how to apply. Last updated: January 13, 2026
Readable Markdown	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: - Before you turned 81 years old, you applied for VA disability compensation for a service-connected disability, and - After you turned 81 years old, you received a rating for that same disability, and - You apply for VALife within 2 years of getting notification of your disability rating ## 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](https://insurance.va.gov/VALIFE/Fiduciary) ## 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 Note: VALife doesn’t offer loans. 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. For more information about VALife, you can play our VALife video. [Play our VALife video on YouTube](https://www.youtube.com/watch?v=umVFO71Ebos) ## 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. If you die during the 2-year waiting period, we’ll pay your beneficiaries the total amount you paid in premiums, plus interest. - Interest rate for a death in 2026: 4.23% - Interest rate for a death in 2025: 3.59% If you die after the 2-year waiting period, we’ll pay your beneficiaries the full coverage amount of your policy. Note: Beneficiaries are the people you pick to get the money from your life insurance policy if you die. ## 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) 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. \$) 18 10.90 21.80 32.70 43.60 19 11.10 22.20 33.30 44.40 20 11.40 22.80 34.20 45.60 21 11.70 23.40 35.10 46.80 22 12.10 24.20 36.30 48.40 23 12.40 24.80 37.20 49.60 24 12.80 25.60 38.40 51.20 25 13.20 26.40 39.60 52.80 26 13.60 27.20 40.80 54.40 27 14.00 28.00 42.00 56.00 28 14.40 28.80 43.20 57.60 29 14.90 29.80 44.70 59.60 30 15.40 30.80 46.20 61.60 #### Ages 31 to 40 (monthly rates) 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. \$) 31 15.90 31.80 47.70 63.60 32 16.40 32.80 49.20 65.60 33 17.00 34.00 51.00 68.00 34 17.60 35.20 52.80 70.40 35 18.30 36.60 54.90 73.20 36 18.90 37.80 56.70 75.60 37 19.60 39.20 58.80 78.40 38 20.40 40.80 61.20 81.60 39 21.10 42.20 63.30 84.40 40 22.00 44.00 66.00 88.00 #### Ages 41 to 50 (monthly rates) 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. \$) 41 22.80 45.60 68.40 91.20 42 23.70 47.40 71.10 94.80 43 24.60 49.20 73.80 98.40 44 25.60 51.20 76.80 102.40 45 26.60 53.20 79.80 106.40 46 27.70 55.40 83.10 110.80 47 28.80 57.60 86.40 115.20 48 30.00 60.00 90.00 120.00 49 31.20 62.40 93.60 124.80 50 32.50 65.00 97.50 130.00 #### Ages 51 to 60 (monthly rates) 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. \$) 51 33.90 67.80 101.70 135.60 52 35.30 70.60 105.90 141.20 53 36.90 73.80 110.70 147.60 54 38.40 76.80 115.20 153.60 55 40.10 80.20 120.30 160.40 56 41.90 83.80 125.70 167.60 57 43.70 87.40 131.10 174.80 58 45.70 91.40 137.10 182.80 59 47.70 95.40 143.10 190.80 60 50.00 100.00 150.00 200.00 #### Ages 61 to 70 (monthly rates) 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. \$) 61 52.30 104.60 156.90 209.20 62 54.60 109.20 163.80 218.40 63 56.90 113.80 170.70 227.60 64 59.40 118.80 178.20 237.60 65 62.00 124.00 186.00 248.00 66 64.80 129.60 194.40 259.20 67 67.80 135.60 203.40 271.20 68 70.90 141.80 212.70 283.60 69 74.40 148.80 223.20 297.60 70 78.00 156.00 234.00 312.00 #### Ages 71 to 80 (monthly rates) 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. \$) 71 81.80 163.60 245.40 327.20 72 85.80 171.60 257.40 343.20 73 90.10 180.20 270.30 360.40 74 94.70 189.40 284.10 378.80 75 99.50 199.00 298.50 398.00 76 104.60 209.20 313.80 418.40 77 109.90 219.80 329.70 439.60 78 115.60 231.20 346.80 462.40 79 121.40 242.80 364.20 485.60 80 127.50 255.00 382.50 510.00 #### Ages 81 to 95 (monthly rates) 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. \$) 81 133.80 267.60 401.40 535.20 82 140.40 280.80 421.20 561.60 83 147.40 294.80 442.20 589.60 84 154.70 309.40 464.10 618.80 85 162.60 325.20 487.80 650.40 86 171.10 342.20 513.30 684.40 87 180.40 360.80 541.20 721.60 88 190.90 381.80 572.70 763.60 89 202.90 405.80 608.70 811.60 90 217.00 434.00 651.00 868.00 91 234.30 468.60 702.90 937.20 92 256.40 512.80 769.20 1,025.60 93 287.40 574.80 862.20 1,149.60 94 337.00 674.00 1,011.00 1,348.00 95 442.00 884.00 1,326.00 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) 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. \$) 18 129.30 258.60 387.90 517.20 19 131.70 263.40 395.10 526.80 20 135.30 270.60 405.90 541.20 21 138.80 277.60 416.40 555.20 22 143.60 287.20 430.80 574.40 23 147.10 294.20 441.30 588.40 24 151.90 303.80 455.70 607.60 25 156.60 313.20 469.80 626.40 26 161.40 322.80 484.20 645.60 27 166.10 332.20 498.30 664.40 28 170.90 341.80 512.70 683.60 29 176.80 353.60 530.40 707.20 30 182.70 365.40 548.10 730.80 #### Ages 31 to 40 (yearly rates) 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. \$) 31 188.70 377.40 566.10 754.80 32 194.60 389.20 583.80 778.40 33 201.70 403.40 605.10 806.80 34 208.80 417.60 626.40 835.20 35 217.10 434.20 651.30 868.40 36 224.30 448.60 672.90 897.20 37 232.60 465.20 697.80 930.40 38 242.10 484.20 726.30 968.40 39 250.40 500.80 751.20 1,001.60 40 261.00 522.00 783.00 1,044.00 #### Ages 41 to 50 (yearly rates) 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. \$) 41 270.50 541.00 811.50 1,082.00 42 281.20 562.40 843.60 1,124.80 43 291.90 583.80 875.70 1,167.60 44 303.80 607.60 911.40 1,215.20 45 315.60 631.20 946.80 1,262.40 46 328.70 657.40 986.10 1,314.80 47 341.70 683.40 1,025.10 1,366.80 48 356.00 712.00 1,068.00 1,424.00 49 370.20 740.40 1,110.60 1,480.80 50 385.60 771.20 1,156.80 1,542.40 #### Ages 51 to 60 (yearly rates) 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. \$) 51 402.20 804.40 1,206.60 1,608.80 52 418.80 837.60 1,256.40 1,675.20 53 437.80 875.60 1,313.40 1,751.20 54 455.60 911.20 1,366.80 1,822.40 55 475.80 951.60 1,427.40 1,903.20 56 497.20 994.40 1,491.60 1,988.80 57 518.50 1,037.00 1,555.50 2,074.00 58 542.20 1,084.40 1,626.60 2,168.80 59 566.00 1,132.00 1,698.00 2,264.00 60 593.30 1,186.60 1,779.90 2,373.20 #### Ages 61 to 70 (yearly rates) 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. \$) 61 620.60 1,241.20 1,861.80 2,482.40 62 647.80 1,295.60 1,943.40 2,591.20 63 675.10 1,350.20 2,025.30 2,700.40 64 704.80 1,409.60 2,114.40 2,819.20 65 735.60 1,471.20 2,206.80 2,942.40 66 768.90 1,537.80 2,306.70 3,075.60 67 804.50 1,609.00 2,413.50 3,218.00 68 841.20 1,682.40 2,523.60 3,364.80 69 882.80 1,765.60 2,648.40 3,531.20 70 925.50 1,851.00 2,776.50 3,702.00 #### Ages 71 to 80 (yearly rates) 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. \$) 71 970.60 1,941.20 2,911.80 3,882.40 72 1,018.00 2,036.00 3,054.00 4,072.00 73 1,069.10 2,138.20 3,207.30 4,276.40 74 1,123.60 2,247.20 3,370.80 4,494.40 75 1,180.60 2,361.20 3,541.80 4,722.40 76 1,241.10 2,482.20 3,723.30 4,964.40 77 1,304.00 2,608.00 3,912.00 5,216.00 78 1,371.60 2,743.20 4,114.80 5,486.40 79 1,440.40 2,880.80 4,321.20 5,761.60 80 1,512.80 3,025.60 4,538.40 6,051.20 How to access your VALife policy If we approve your application for VALife, we’ll notify you by email, text, or both, based on the communication preferences you selected when you applied. This notification will include a link to our VA life insurance portal. From our portal, you can go to AccessVA to access, download, and print a copy of your policy. If you know we’ve approved your application but you can’t find the email or text we sent you, you can go directly to AccessVA now. You’ll need to sign in to access your policy. [Access your policy on AccessVA](https://eauth.va.gov/accessva/?cspSelectFor=einsurance) 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 applied 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. [Learn more about how your enrollment in VALife affects your S-DVI coverage](https://www.benefits.va.gov/insurance/valife-faqs.asp#How_Getting_VALife_Impacts_Your_S-DVI) How your beneficiaries would file a claim What to do if you have more questions You can call the VA Life Insurance Center at (TTY: 711). Call for current hours. 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
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