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Waiver of Insurance Premiums for Disabled Veterans

Insurance > Waiver of Insurance Premiums for Disabled Veterans


Program Description:

Some Veterans Affairs (VA) life insurance policyholders may have their premiums waived, if they become totally disabled.


General Program Requirements:

Many VA life insurance policies provide for a waiver of premiums if you become totally disabled.
However, the following policies do not:

  • Supplemental Service-Disabled Veterans Insurance (SRH)
  • Servicemembers?? Group Life Insurance (SGLI)
  • Veterans Group Life Insurance (VGLI)
  • Veterans Mortgage Life Insurance (VMLI)
If your policy allows for a waiver, you must meet the following requirements:
  1. You must have a mental or physical disability that prevents you from substantially gainful employment.
  2. Your total disability must begin before your 65th birthday, and must continue for at least six consecutive months.
Your total disability may not begin prior to the effective date of the policy. There is one exception: A waiver may be granted if your total disability began prior to the effective date on a Service-Disabled Veterans Insurance policy. The total disability must be due to a service-connected disability.





Loan Terms:

Not Applicable


Application Process:

To complete an application, use VA Form 29-357, ?°Claim for Disability Insurance Benefits.?±


Program Contact Information:

For more information, visit Filing a Claim for Disability Insurance Benefits:

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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