Plain summaryGuaranteed-acceptance whole life insurance for service-connected veterans — no health questions, no medical exam.
Who it is forVeterans 80 and under with any VA disability rating (0 to 100 percent).
Primary formApply online
Last reviewedAug 1, 2026
VALife is a guaranteed-acceptance whole life insurance policy that provides up to $40,000 in coverage for veterans regardless of their health status. It is designed to offer peace of mind and final expense support to veterans who may have difficulty qualifying for traditional commercial life insurance policies.
This benefit is available to all veterans aged 80 or younger with a VA service-connected disability rating of 0% or higher. Veterans aged 81 or older may also be eligible if they apply within two years of receiving a new service-connected disability rating.
Eligibility snapshot
- Any service-connected rating, including 0 percent
- Age 80 or younger (81+ possible within 2 years of a new rating if applied for before 81)
- Full coverage begins after a 2-year waiting period
How to apply
Apply online at VA.gov in minutes — decisions are instant.
Apply and confirm current requirements on the official page. Rules and forms change; the link does not.
Open the official pageImportantEducational information only. This page is not legal, financial, or medical advice and does not guarantee eligibility or award amounts. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs.