Veterans Life Insurance (VALI)

Veterans Life Insurance (VALI)

Veterans Life Insurance (VALI) provides guaranteed acceptance whole life insurance of up to $ 40,000 to Veterans with a service-related disability. Lower amounts are available in increments of $ 10,000. Under this plan, coverage chosen takes effect two years after enrollment as long as premiums are paid during the two-year period.


All Veterans aged 80 and under, who have a 0-100 percent VA disability rating are eligible for the VALI program and have no time limit to apply. Veterans who are 81 years of age or older and who applied for VA Disability before age 81, but who did not receive the rating for a new service-related condition until after they reached the age of 81 years old, are also eligible if they apply within two years of their assessment.

Type of cover

The VALI program offers guaranteed acceptance coverage for life. With this type of coverage, the face amount begins two years after the enrollment date, provided that premiums are paid within the two-year period. This two-year waiting period replaces the need for medical underwriting. If the insured dies during this two-year period, the beneficiary will receive all premiums paid plus interest.


The premium rate (the amount you’ll pay each month or year for your coverage) depends on your age and the amount of coverage you choose. VALI’s premiums are fixed, depending on your age when you enroll, and do not increase with age. Click here for LEARN MORE ABOUT BONUS COSTS.

Can premiums be waived?

There is no waiver of premiums for the VALI program.

How to register?

VALI will enter into force on January 1, 2023. The application will then be available on our website. In the meantime, you can SIGN UP FOR FUTURE EMAIL UPDATES ABOUT VALI to stay informed.

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