Veterans Benefits Information guide to VA benefits

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Home VA Life Insurance Service-Disabled Veterans Insurance (S-DVI)

Service-Disabled Veterans Insurance (S-DVI)

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Service-Disabled Veterans Insurance (S-DVI)

S-DVI is a life insurance benefit for Veterans who have service-connected disabilities who are otherwise in good health. S-DVI is available in a variety of permanent plans as well as term insurance.


To obtain S-DVI, you must meet the following criteria:

  • VA granted service connection for any disability (even if evaluated at zero percent), AND
  • You applied within two years from the date VA notified you of that new service-connected disability, AND
  • You are in good health, except for any service-connected conditions.

An increase in an existing service-connected disability or the granting of individual unemployability of a previous rated condition does not entitle a Veteran to S-DVI.


S-DVI policies are issued for a maximum face amount of $10,000.

Supplemental S-DVI

Supplemental S-DVI is additional supplemental insurance coverage if:

  • You have an S-DVI policy, AND
  • VA is waiving the premiums on your basic coverage due to total disability, AND
  • You apply for Supplemental S-DVI within one year of being notified of the waiver, AND
  • You are under 65 years of age

The insured has up to one year after being notified of his/her eligibility for waiver on the basic policy to apply. No waiver of premiums due to total disability can be granted on Supplemental S-DVI coverage.


The premium you pay for S-DVI coverage depends on your age, type of plan (term or permanent), and the amount of coverage. If you are a Veteran eligible for basic S-DVI coverage and are totally disabled, then you may apply to have your premiums waived.

How to Apply

Veterans who are granted service-connection for a disability will receiveVA form 29-4364, Application For Service-Disabled Veterans Life Insurance, along with their Notice of Disability Rating. You must apply within two years from the date VA notifies you that you have been granted a new service-connected disability. You may also apply for S-DVI online.

To apply for Supplemental S-DVI, you must file VA Form 29-0188, Application for Supplemental Service-Disabled Veterans (RH) Life Insurance or send a letter requesting this insurance over your signature. You must apply for the coverage within one year from being notified by VA of your S-DVI premium waiver.


Did you know?

Military Funeral Honors ceremonies must be scheduled in advance.

The law requires that every eligible veteran receive a military funeral honors ceremony, which includes the folding and presentation of the United States flag and the playing of “taps,” upon the family’s request. This Department of Defense program calls for the funeral director to request military funeral honors on behalf of the veteran’s family.