Veterans Affairs Life Insurance coverage (VALI)

Veterans Affairs Life Insurance coverage (VALI) gives Veterans with service-related disabilities assured lifetime protection of as much as $ 40,000. Decrease quantities can be found in increments of $ 10,000. With this plan, the chosen cowl comes into impact two years after enrollment, so long as the premiums are paid through the two-year interval.


All veterans ages 80 and beneath who’ve a VA incapacity ranking of 0 to 100% are eligible for the VALI program and haven’t any time restrict. Veterans 81 years of age or older who utilized for VA Incapacity Allowance earlier than age 81 however didn’t qualify for a brand new service-related situation till after they turned 81.

Sort of insurance coverage protection

The VALI program gives lifetime ensures of acceptance. With such a insurance coverage, the nominal quantity of canopy comes into impact two years after the date of enrollment, supplied that the premiums are paid through the two-year interval. This two-year ready interval replaces the necessity for medical underwriting. If the insured dies inside these two years, the beneficiary receives all premiums paid plus curiosity.


The premium charge (the quantity that you just pay month-to-month or yearly in your insurance coverage cowl) is determined by your age and the chosen sum insured. The premiums for VALI are based mostly in your age at enrollment and don’t improve with age. Click on right here to be taught extra about the price of premiums.

Can premiums be waived?

There are not any premium exemptions for the VALI program.

How do I apply?

VALI comes into drive on January 1, 2023. The applying shall be out there on our web site at the moment. Within the meantime, you’ll be able to join future VALI electronic mail updates to maintain updated.


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