Skip to Content
Your browser is out of date. To use this website, please update your browser or use a different device.

This site is a work in progress. If you don’t find what you need, visit VA.gov.

Veterans’ Mortgage Life Insurance (VMLI)

If you have a severe service-connected disability that we’ve concluded was caused—or made worse—by your service, you may be able to get Veterans’ Mortgage Life Insurance (VMLI). In the event of your death, this mortgage protection insurance can help your family pay off the home mortgage on a home that’s been adapted to meet your needs. Find out if you qualify—and how to apply.

Can I get VMLI?

You may be able to get VMLI if you have a severe disability, and you:

  • Received a Specially Adapted Housing (SAH) grant to buy, build, or make changes (like installing ramps or widening doorways) to a home so you can live more independently, and
  • Have the title of the home, and
  • Have a mortgage on the home, and
  • Are under 70 years old

Find out if you qualify for an SAH grant—and how to apply.


Who’s covered?

  • Servicemembers
  • Veterans

What kind of life insurance benefits can I get with VMLI?

Up to $200,000 in mortgage life insurance—paid directly to the bank or other lender that holds your mortgage.

Important details about VMLI:

  • The money will be paid directly to the bank or other lender that holds your mortgage—not to a life insurance beneficiary (a person chosen to receive the money from a policy when the insured dies).
  • The amount of coverage will equal the amount you still owe on your mortgage, but won’t be more than $200,000.
  • VMLI is a decreasing-term insurance. This means your coverage amount goes down as your mortgage balance goes down. If you pay off your mortgage, your VMLI coverage will end.
  • VMLI has no loan or cash value—and it doesn’t pay dividends (cash payments made to policy holders when the company makes a profit).

How do I get these benefits?

First, you’ll need to apply for an SAH grant. If you get the SAH grant, your Loan Guaranty agent will tell you if you qualify for VMLI. If you already have an SAH grant, ask your agent about VMLI.

Your agent will help you fill out VA Form 29-8636 (Veterans’ Mortgage Life Insurance Statement). Download Form 29-8636.

Note: Remember, you must apply for VMLI before your 70th birthday.


How much will I pay for these benefits?

Your VMLI premium will be based on:

  • Your age, and
  • The current balance of your mortgage loan, and
  • How many more mortgage payments you need to make to pay off your mortgage, and
  • The amount of VMLI coverage you need

Use our VMLI Premium Calculator to figure out what your premium may be. Go to the VMLI Premium Calculator.


What happens if I move, refinance, or make other changes to my mortgage?

The home covered by VMLI must be your primary residence (the home where you live most of the time).

To keep your VMLI coverage, you’ll need to let us know if you:

  • Move, or
  • Transfer your mortgage from one lender to another, or
  • Liquidate your mortgage (such as giving up the home through foreclosure or bankruptcy liquidation because you can’t pay the mortgage), or
  • Refinance your home (take out a new mortgage loan under different terms), or
  • Sell your property

Send notice of any changes to:

Department of Veterans Affairs
Regional Office and Insurance Center
PO Box 7208 (VMLI)
Philadelphia, PA 19101

Read our life insurance publications for more guidance.