What Happens to Your VA Life Insurance Programs Account When You Die
Quick Facts
Programs
VGLI / VMLI / S-DVI
VMLI
Mortgage life insurance
Contact
1-800-669-8477
Step-by-Step Guide
Identify all VA life insurance policies
Veterans may have multiple policies (VGLI, VMLI, S-DVI). Contact VA Insurance at 1-800-669-8477 to identify all active policies.
File claims for each policy
Each VA insurance program requires a separate claim. VMLI pays off the mortgage directly; VGLI/S-DVI pay beneficiaries.
Document Now Checklist
- Policy numbers for each VA insurance program
- Coverage amounts
- Designated beneficiaries for each
Last verified: June 2026. Platform policies may change. Verify current procedures directly with VA Life Insurance Programs. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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