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Gratuitous Service-Disabled Veterans Insurance (ARH)

Insurance > Gratuitous Service-Disabled Veterans Insurance (ARH)


Program Description:

Gratuitous Service-Disabled Veterans Insurance (ARH) is a program that provides posthumous life insurance coverage.


General Program Requirements:

Gratuitous Service-Disabled Veterans Insurance (S-DVI) (ARH) is granted posthumously to veterans who:

  • Met the basic eligibility requirements for S-DVI.
  • Did not apply for S-DVI because of a continued mental incompetence due to a service-connected disability.
  • Died before the appointment of a guardian or within two years of such appointment.
Veterans Affairs (VA) must receive an application for payment of Gratuitous S-DVI (ARH) within two years from the date of the veteran??s death. If the person making the claim is mentally or legally incompetent, and did not file the claim in time, VA can receive the application within one year after incompetency ends.

For more information, see the Gratuitous S-DVI (?°ARH?±) section of the ?°VA Life Insurance Programs for Veterans and Servicemembers Handbook?±.





Loan Terms:

Not Applicable


Application Process:

For information on how to apply for this program, please call 1-800-669-8477. Hearing impaired users may call 1-800-829-4833.


Program Contact Information:

For more information, contact VA to ask a question online or search our Frequently Asked Questions at:

You may also call the VA Insurance Center at:

Hearing impaired users can call:


Managing Agency:

Veterans Benefits Administration (VBA)

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