The Veterans Benefits Administration (VBA) offers life insurance benefits for retired Veterans, active-duty Servicemembers, spouses, and dependent children. Military members can feel comforted knowing your families will always be financially protected through the benefits you have earned. In certain situations, you may even qualify for freeinsurance coverage.

The VA offers different programs depending on which stage you are in your military career. Some programs cover: Veterans, through Veterans Group Life Insurance (VGLI); Service members, through Servicemembers’ Group Life Insurance (SGLI); and Family members, through Family Servicemembers’ Group Life Insurance (FSGLI). 

How Veterans Life Insurance Can Help You Protect Your Family


  • You can get short-term financial benefits while you recover from severe injuries with Traumatic Injury Protection (TSGLI), or 
  • You can continue your SGLI coverage for an additional 2 years after leaving the military if you are disabled because of a service-related injury with Service-Disabled Veterans Insurance (S-DVI). 

Lastly, if you are severely disabled from a service-related injury and you need to adapt your home to cater to your disability, you may qualify for Veterans Mortgage Life Insurance (VMLI) and receive up to $200,000 in mortgage life insurance payments, which is paid directly to the bank or other lender who holds your mortgage. 

If you are a VA life insurance policyholder and you become totally-disabled or terminally ill, you and your spouse may qualify for further benefits. These benefits can include: 

  • Getting your life insurance policy totally free

By applying as soon as you become disabled, you may qualify to have your premiums waived. This means, you won’t have to pay the monthly payments you must typically make to hold your policy.  

  • Getting up to 50% of the face value of your coverage in increments of $5,000.

If you are a Veteran, Servicemember or covered spouse who is diagnosed with a terminal illness, you may qualify for accelerated benefits and collect your insurance payments early. To qualify, you must be enrolled in VGLI, SGLI, or FSGLI and have a doctor report that you have 9 months or less left to live.

By Admin