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Life Insurance

Veterans Affairs Life Insurance (VALife) Premium Rates

The monthly premiums for VALife are based on your age when you enroll. Once locked in, your premiums will not increase.

Age

Coverage Amount and Monthly Premium

$10,000

$20,000

$30,000

$40,000

18

 $10.90 $21.80 $32.70 $43.60

19

 $11.10 $22.20 $33.30 $44.40

20

 $11.40 $22.80 $34.20 $45.60

21

 $11.70 $23.40 $35.10 $46.80

22

 $12.10 $24.20 $36.30 $48.40

23

 $12.40 $24.80 $37.20 $49.60

24

 $12.80 $25.60 $38.40 $51.20

25

 $13.20 $26.40 $39.60 $52.80

26

 $13.60 $27.20 $40.80 $54.40

27

 $14.00 $28.00 $42.00 $56.00

28

 $14.40 $28.80 $43.20 $57.60

29

 $14.90 $29.80 $44.70 $59.60

30

 $15.40 $30.80 $46.20 $61.60

31

 $15.90 $31.80 $47.70 $63.60

32

 $16.40 $32.80 $49.20 $65.60

33

 $17.00 $34.00 $51.00 $68.00

34

 $17.60 $35.20 $52.80 $70.40

35

 $18.30 $36.60 $54.90 $73.20

36

 $18.90 $37.80 $56.70 $75.60

37

 $19.60 $39.20 $58.80 $78.40

38

 $20.40 $40.80 $61.20 $81.60

39

 $21.10 $42.20 $63.30 $84.40

40

 $22.00 $44.00 $66.00 $88.00

41

 $22.80 $45.60 $68.40 $91.20

42

 $23.70 $47.40 $71.10 $94.80

43

 $24.60 $49.20 $73.80 $98.40

44

 $25.60 $51.20 $76.80 $102.40

45

 $26.60 $53.20 $79.80 $106.40

46

 $27.70 $55.40 $83.10 $110.80

47

 $28.80 $57.60 $86.40 $115.20

48

 $30.00 $60.00 $90.00 $120.00

49

 $31.20 $62.40 $93.60 $124.80

50

 $32.50 $65.00 $97.50 $130.00

51

 $33.90 $67.80 $101.70 $135.60

52

 $35.30  $70.60 $105.90 $141.20

53

 $36.90 $73.80 $110.70 $147.60

54

 $38.40 $76.80 $115.20 $153.60

55

 $40.10 $80.20 $120.30 $160.40

56

 $41.90 $83.80 $125.70 $167.60

57

 $43.70 $87.40 $131.10 $174.80

58

 $45.70 $91.40 $137.10 $182.80

59

 $47.70 $95.40 $143.10 $190.80

60

 $50.00 $100.00 $150.00 $200.00

61

 $52.30 $104.60 $156.90 $209.20

62

 $54.60 $109.20 $163.80 $218.40

63

 $56.90 $113.80 $170.70 $227.60

64

 $59.40 $118.80 $178.20 $237.60

65

 $62.00 $124.00 $186.00 $248.00

66

 $64.80 $129.60 $194.40 $259.20

67

 $67.80 $135.60 $203.40 $271.20

68

 $70.90 $141.80 $212.70 $283.60

69

 $74.40 $148.80 $223.20 $297.60

70

 $78.00 $156.00 $234.00 $312.00

71

 $81.80 $163.60 $245.40 $327.20

72

 $85.80 $171.60 $257.40 $343.20

73

 $90.10 $180.20 $270.30 $360.40

74

 $94.70 $189.40 $284.10 $378.80

75

 $99.50 $199.00 $298.50 $398.00

76

 $104.60 $209.20 $313.80 $418.40

77

 $109.90 $219.80 $329.70 $439.60

78

 $115.60 $231.20 $346.80 $462.40

79

 $121.40 $242.80 $364.20 $485.60

80

 $127.50 $255.00 $382.50 $510.00

81*

 $133.80 $267.60 $401.40 $535.20

82*

 $140.40 $280.80 $421.20 $561.60

83*

 $147.40 $294.80 $442.20 $589.60

84*

 $154.70 $309.40 $464.10 $618.80

85*

 $162.60 $325.20 $487.80 $650.40

86*

 $171.10 $342.20 $513.30 $684.40

87*

 $180.40 $360.80 $541.20 $721.60

88*

 $190.90 $381.80 $572.70 $763.60

89*

 $202.90 $405.80 $608.70 $811.60

90*

 $217.00 $434.00 $651.00 $868.00

91*

 $234.30 $468.60 $702.90 $937.20

92*

 $256.40 $512.80 $769.20 $1,025.60

93*

 $287.40 $574.80 $862.20 $1,149.60

94*

 $337.00 $674.00 $1,011.00 $1,348.00

95*

 $442.00 $884.00 $1,326.00 $1,768.00 

 *Please note that coverage is only available to Veterans over age 80 if they:

  1. Apply for a new service-connected condition prior to the age of 81,
  2. Receive a grant for the new service-connected condition after the age of 81, and
  3. Apply within two years of notification of the grant.
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