Veterans Benefits Information guide to VA benefits

  • Increase font size
  • Default font size
  • Decrease font size
Home VA Life Insurance Service-Disabled Veterans Insurance (S-DVI)

Service-Disabled Veterans Insurance (S-DVI)

E-mail Print PDF

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?

The issuance or replacement of military service medals, awards and decorations must be requested in writing.

Requests should be submitted in writing to the appropriate military service branch division of the NPRC. Standard form (SF 180), available through the VA, is recommended to submit your request. Generally, there is no charge for medal or award replacements. For more information, or for the mailing address of the military branch office to submit your request to, call 1-86-NARA-NARA (1-866-272-6272) or visit the NPRC website at