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Life Insurance


VA life insurance is a financial program provided by the U.S. Department of Veterans Affairs designed to offer affordable life insurance coverage and financial security to military personnel, veterans, and their families. It consists of various insurance plans tailored to meet the specific needs of service members, including Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), and other specialized policies. These plans ensure beneficiaries receive financial support in the event of the policyholder’s death or disability.

Key Takeaways

  1. Life Insurance for veterans provides financial protection to their families in case of the veteran’s untimely death, ensuring that beneficiaries receive monetary support.
  2. There are several life insurance options provided by the VA, including Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), Family Servicemembers’ Group Life Insurance (FSGLI), and more, each designed to cater to specific groups, needs, or situations.
  3. Each life insurance program comes with different coverage limits, premium rates, and eligibility criteria, so it’s essential for veterans to choose the most appropriate policy based on their individual needs and circumstances.


VA Life Insurance is an important term as it refers to valuable financial protection plans designed specifically for veterans, active-duty servicemembers, reservists, and their families.

These insurance programs, provided by the Department of Veterans Affairs, ensure that veterans and their dependents have access to affordable life insurance coverage, regardless of their health needs or pre-existing conditions.

By offering a range of coverage options and benefits, VA Life Insurance plays a crucial role in safeguarding the financial well-being of veterans and their families, helping them navigate unforeseen challenges and contributing to their long-term stability.


Life insurance is a crucial component in the comprehensive package of benefits that the Department of Veterans Affairs (VA) offers to veterans, service members, and their families. The purpose of life insurance is to provide financial security and peace of mind to the beneficiaries, typically the loved ones, of the policyholder in the event of their death.

For veterans and active-duty military personnel, this coverage ensures that their families are well taken care of in the event of unexpected circumstances, such as the loss of the policyholder due to illness, accidents, or combat-related incidents. The primary objective of life insurance is to mitigate the financial burden on the beneficiaries by offering a payout, which can be used for various purposes such as covering funeral expenses, paying off living expenses, or even funding future education plans.

The VA provides different life insurance programs tailored to the unique needs of veterans, service members, and their families, such as Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), Family Servicemembers’ Group Life Insurance (FSGLI), and more. These programs offer a range of coverage options, as well as specific features, such as coverage continuation after separation from service, disability benefits, and trauma coverage to cater to the diverse requirements of the policyholders.

Participation in these programs demonstrates the VA’s commitment to improving the overall quality of life for those who have dutifully served their country, and these life insurance policies serve as a crucial aspect in providing financial security for veterans and their loved ones for years to come.

Examples of Life Insurance

Servicemembers’ Group Life Insurance (SGLI): SGLI is a low-cost group term life insurance program for servicemembers on active duty, ready reservists, members of the National Guard, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration, and Public Health Service officers. The policy offers coverage up to $400,000, with premiums automatically deducted from the servicemember’s pay.

Veterans’ Group Life Insurance (VGLI): VGLI is a renewable term life insurance program that allows eligible veterans to convert their Servicemembers’ Group Life Insurance (SGLI) coverage to a civilian program after leaving the military. VGLI provides coverage up to the same amount as the servicemember’s SGLI policy, and the premium rates are based on age and the amount of coverage selected.

Family Servicemembers’ Group Life Insurance (FSGLI): FSGLI is a life insurance program specifically designed for the spouses and dependent children of servicemembers covered under the SGLI program. FSGLI offers coverage up to $100,000 for spouses and $10,000 for dependent children. The premiums for FSGLI coverage are based on the age of the spouse and the amount of coverage selected.

FAQs: VA Life Insurance Benefits

1. What VA life insurance benefits are available for veterans?

Several life insurance programs are available for veterans through the VA, including SGLI (Servicemembers’ Group Life Insurance), VGLI (Veterans’ Group Life Insurance), S-DVI (Service-Disabled Veterans’ Life Insurance), FSGLI (Family Servicemembers’ Group Life Insurance), TSGLI (Traumatic Injury Protection), and VMLI (Veterans’ Mortgage Life Insurance).

2. How do I apply for VA life insurance benefits?

To apply for VA life insurance benefits, you must submit the necessary forms and documents to the respective program. These forms can be found on the VA website or requested from your local VA office. You may also need to provide service-related documentation, such as your discharge papers (DD Form 214).

3. Am I eligible for VA life insurance benefits?

Eligibility for VA life insurance benefits depends on the specific program and your service history, disability status, and other factors. In general, you must be a veteran, service member, reservist, or National Guard member to qualify. Certain family members may also be eligible for coverage under FSGLI.

4. What is the difference between SGLI and VGLI?

SGLI is a low-cost group life insurance program for active-duty service members, reservists, and National Guard members. VGLI, on the other hand, is a post-separation life insurance program that allows eligible veterans to convert their SGLI coverage to renewable term insurance.

5. Can I increase or decrease my VA life insurance coverage?

Depending on the program, you may have the option to increase or decrease your coverage. For example, VGLI policyholders can apply to increase their coverage in increments of $25,000, up to a maximum of $400,000. However, this may require proof of good health. It’s recommended to consult with the VA or your specific insurance program for details about coverage changes.

6. How do I file a claim for VA life insurance benefits?

To file a claim for VA life insurance benefits, you must complete and submit the appropriate claim form(s) along with a certified copy of the servicemember or veteran’s death certificate. The specific form and submission process depend on the insurance program. Claims are typically processed within a few weeks, depending on the complexity of the case.

7. Are VA life insurance benefits subject to taxes?

Generally, VA life insurance benefits are not subject to federal income tax. However, the interest earned on the benefits may be taxable. It is recommended to consult with a tax professional or financial advisor for personalized advice on your specific situation.

Related VA Benefit Terms

  • Premiums
  • Death Benefit
  • Beneficiaries
  • Policyholder
  • Servicemembers’ Group Life Insurance (SGLI)

Sources for More Information