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Service-Disabled Veterans Insurance (S-DVI)

undefined Service-Disabled Veterans Insurance (S-DVI)?


Service-Disabled Veterans Insurance (S-DVI) is life insurance for Veterans who have received a service-connected disability rating by the Department of Veterans Affairs. The basic S-DVI program, commonly referred to as "RH Insurance", insures eligible Veterans for up to $10,000 of coverage. Veterans who have the basic S-DVI coverage and are totally disabled are eligible to have their premiums waived. If a waiver is granted, totally disabled Veterans may apply for additional coverage of up to $30,000 under the Supplemental S-DVI Program. Premiums for Supplemental S-DVI coverage, however, cannot be waived.

S-DVI is closing to new applicants as of December 31, 2022 with the opening of a new program of insurance, Veterans’ Affairs Life Insurance (VALife), on January 1, 2023, discussed below.

Service-Disabled Veterans Insurance (S-DVI) is life insurance for Veterans who have received a service-connected disability rating by the Department of Veterans Affairs. The basic S-DVI program, commonly referred to as "RH Insurance", insures eligible Veterans for up to $10,000 of coverage. Veterans who have the basic S-DVI coverage and are totally disabled are eligible to have their premiums waived. If a waiver is granted, totally disabled Veterans may apply for additional coverage of up to $30,000 under the Supplemental S-DVI Program. Premiums for Supplemental S-DVI coverage, however, cannot be waived.

S-DVI is closing to new applicants as of December 31, 2022 with the opening of a new program of insurance, Veterans’ Affairs Life Insurance (VALife), on January 1, 2023, discussed below.

undefined Service-Disabled Veterans Insurance (S-DVI)?


To be eligible for S-DVI, you must be a Veteran of the uniformed services who meets the following criteria:

  • You were released from active duty under other than dishonorable conditions on or after April 25, 1951; AND
  • You were rated for a service-connected disability (even if only 0 percent); AND
  • You are in good health except for any service-connected conditions; AND
  • You apply within 2 years from the date VA grants your new service-connected disability, or by December 31, 2022, whichever occurs first.

On January 1, 2023, a new program of insurance, VALife, also known as, Veterans’ Affairs Life Insurance will open to new applicants. VALife is guaranteed acceptance whole life insurance available to all Veterans aged 80 and under who have a VA disability rating of zero to 100 percent with no time limit to apply. Veterans who are 81 or older and apply for VA Disability Compensation before age 81 and receive a rating for a new service-connected condition after turning 81 are also eligible if they apply within two years of receiving their rating. Veterans do not have to meet any health requirements to obtain coverage and once coverage is effective, premiums will never increase. Veterans must wait two years from the effective date of the coverage for their beneficiary to receive the full value of the coverage upon their death.

Visit the VALife webpage for additional information.

undefined Service-Disabled Veterans Insurance (S-DVI)?


To complete an application online, visit our Automated Forms website. First time users must register to use the site.


For more information, visit our Service-Disabled Veterans Insurance webpage.

If you have any questions, visit the Ask VA (AVA) website to ask a question electronically.

To apply for VA benefits and services, view your benefit status, and many more services go to www.va.gov and either logon with your eBenefits sign on or use www.Logon.gov to enroll. VA.gov is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. Veterans, service members and their family members can conduct self-service transactions such as checking compensation and pension claim status information, enrolling in GI Bill, and obtaining copies of civil service preference letters, military records (DD214), and other personal information. For further information visit the VA.gov website.