{"id":238,"date":"2026-05-20T20:15:33","date_gmt":"2026-05-21T00:15:33","guid":{"rendered":"https:\/\/department.va.gov\/vba\/?page_id=238"},"modified":"2026-09-18T15:22:59","modified_gmt":"2026-09-18T19:22:59","slug":"insurance-service","status":"publish","type":"page","link":"https:\/\/department.va.gov\/vba\/insurance-service\/","title":{"rendered":"Insurance Service"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull va-page-title-1\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-179 size-large\" alt=\"page header background\" src=\"https:\/\/department.va.gov\/academic-affiliations\/wp-content\/uploads\/sites\/59\/2025\/05\/Hero2.png?w=1024\" data-object-fit=\"cover\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#085795\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading alignwide has-text-align-left\">Insurance Service<\/h1>\n<\/div><\/div>\n\n\n<div class=\"card-as-link-wrapper va-modal-1 va-veteran-resources va-veteran-resources--mobile alignfull wp-block-create-block-card-as-link-wrapper has-background has-va-blue-background-color\"><a href=\"#\" class=\"card-as-link-wrapper__inner va-card\">\n\n<div class=\"wp-block-group va-link-cards-1__content-wrapper va-link-cards-1__are-you-a-vet is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group va-link-cards-1__content-inner-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-va-white-color has-text-color wp-block-paragraph\">Are you a Veteran, Family Member or Caregiver?<\/p>\n<\/div>\n<\/div>\n\n<\/a><\/div>\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper\"><div class=\"va-body-wrapper__inner\">\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column va-sidebar-page__body is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div class=\"wp-block-group alignwide va-intro-page va-intro-page-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Program Overview<\/h2>\n\n\n<div style=\"background-color: #005EA2\" class=\"wp-block-create-block-colored-spacer has-0073-aa-background-color has-background\"><\/div>\n\n\n<div class=\"wp-block-columns is-style-unequal-height is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Insurance Service provides financial security for Veterans, service members, and their families through 11 distinct programs designed to support them during pivotal life changes. These programs offer protection through major life transitions, assist Veterans with service-connected disabilities, and ensure families receive essential benefits when they need them most. Together, they serve more than 5.5 million individuals and provide over $1.5 trillion in coverage, reflecting the scale and importance of VA\u2019s commitment to those who have served.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This mission is grounded in more than a century of continuous service. VA life insurance program began during World War I, when the federal government created a life insurance benefit for military personnel after private companies were not willing to insure them due to wartime risk. Over time, VA expanded its offerings to meet the needs of each new generation of Service members and Veterans. Programs were added to support those returning from major conflicts, individuals with disabilities, and those requiring financial protection for their homes or families. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For over 100 years, Insurance Service has adapted, modernized, and grown, ensuring that Veterans receive coverage that honors their service and provides lasting peace of mind. From new programs and enhanced services to streamlined processes and digital transformation, Insurance Service continues to anticipate and respond to emerging needs while preserving a strong foundation of reliability and dedication. This enduring commitment ensures Veterans, service members and their families receive coverage that honors their service and safeguards their future.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-blue-icon-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.benefits.va.gov\/insurance\/index.asp\" target=\"_blank\" rel=\"noopener\">Learn more about VA life insurance<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column va-sidebar-page__sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\"><div class=\"card-as-link-wrapper va-modal-1 va-veteran-resources va-veteran-resources--desktop wp-block-create-block-card-as-link-wrapper has-background has-va-blue-background-color\"><a href=\"#\" class=\"card-as-link-wrapper__inner va-card\">\n\n<div class=\"wp-block-group va-link-cards-1__content-wrapper va-link-cards-1__are-you-a-vet is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group va-link-cards-1__content-inner-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center has-va-white-color has-text-color\">Are you a Veteran, Family Member or Caregiver?<\/h3>\n<\/div>\n<\/div>\n\n<\/a><\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-50\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"885\" height=\"1248\" src=\"https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/karen_naccarelli.jpg\" alt=\"Karen Naccarelli\" class=\"wp-image-593\" srcset=\"https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/karen_naccarelli.jpg 885w, https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/karen_naccarelli.jpg?resize=213,300 213w, https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/karen_naccarelli.jpg?resize=768,1083 768w, https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/karen_naccarelli.jpg?resize=726,1024 726w\" sizes=\"auto, (max-width: 885px) 100vw, 885px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Karen Naccarelli<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Acting Executive Director, Insurance Service<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-25\"><\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-d05cb3ef wp-block-group-is-layout-flex\"><div class=\"wp-block-icon-block va-icon-size-32\" style=\"color:#005EA2;\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\"\n          d=\"M14 2H6C4.9 2 4.01 2.9 4.01 4L4 20C4 21.1 4.89 22 5.99 22H18C19.1 22 20 21.1 20 20V8L14 2ZM16 18H8V16H16V18ZM16 14H8V12H16V14ZM13 9V3.5L18.5 9H13Z\"\n          fill=\"currentColor\"\/>\n<\/svg>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/2025-insurance.pdf\" data-type=\"attachment\" data-id=\"657\">View annual report<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper has-background has-va-grey-background-color\"><div class=\"va-body-wrapper__inner\">\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group va-card va-text-and-headline-card va-text-and-headline-card-2 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Mission<\/h2>\n\n\n<div style=\"background-color: #00BDE3\" class=\"wp-block-create-block-colored-spacer has-face-00-background-color has-background\"><\/div>\n\n\n<p class=\"wp-block-paragraph\">To provide our Nation\u2019s Veterans, service members, and Military families insurance products and services.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group va-card va-text-and-headline-card va-text-and-headline-card-2 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Vision<\/h2>\n\n\n<div style=\"background-color: #00BDE3\" class=\"wp-block-create-block-colored-spacer has-face-00-background-color has-background\"><\/div>\n\n\n<p class=\"wp-block-paragraph\">To be the world-class leader for Veteran and military insurance delivery; where a diverse and caring workforce thrives, online technology advances efficiency, and our performance honors military service by exceeding expectations for value, timeliness, and customer service.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group va-card va-text-and-headline-card va-text-and-headline-card-2 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Purpose<\/h2>\n\n\n<div style=\"background-color: #00BDE3\" class=\"wp-block-create-block-colored-spacer has-face-00-background-color has-background\"><\/div>\n\n\n<p class=\"wp-block-paragraph\">To honor our Nations\u2019 Heroes by offering policyholders peace of mind and beneficiaries financial security.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div><\/div>\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper has-background has-va-white-background-color\"><div class=\"va-body-wrapper__inner\">\n\n<div id=\"contact-resources\" class=\"wp-block-group va-section-title va-section-title-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Insurance Service on VA News<\/h2>\n\n\n<div style=\"background-color: #005EA2\" class=\"wp-block-create-block-colored-spacer has-ff-5500-background-color has-background\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/news.va.gov\/press-room\/va-lowers-life-insurance-premiums-for-more-than-3-million-veterans-service-members-and-spouses\/\" target=\"_blank\" rel=\"noopener\">VA lowers life insurance premiums for more than 3 million Veterans, service members, and spouses<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/news.va.gov\/press-room\/va-increases-maximum-life-insurance-coverage-for-veterans-and-service-members-by-100000\/\" target=\"_blank\" rel=\"noopener\">VA increases maximum life insurance coverage for Veterans and service members by $100,000<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/news.va.gov\/press-room\/va-will-launch-new-life-insurance-program-in-january-making-life-insurance-available-to-more-veterans-than-ever-before\/\" target=\"_blank\" rel=\"noopener\">VA will launch new life insurance program in January, making life insurance available to more Veterans than ever before<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/news.va.gov\/press-room\/va-services-10k-loans-in-last-year-for-veterans-borrowing-from-their-life-insurance-policies\/\" target=\"_blank\" rel=\"noopener\">VA services 10K loans in last year for Veterans borrowing from their life insurance policies<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-50\"><\/div>\n\n<\/div><\/div>\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper has-background has-va-grey-background-color\"><div class=\"va-body-wrapper__inner\">\n\n<div id=\"contact-resources\" class=\"wp-block-group va-section-title va-section-title-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Contact information<\/h2>\n\n\n<div style=\"background-color: #D83933\" class=\"wp-block-create-block-colored-spacer has-ff-5500-background-color has-background\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<p class=\"wp-block-paragraph\">Media should direct questions or comments to&nbsp;<a href=\"mailto:vapublicaffairs@va.gov\">Office of Media Relations<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VBA Support: <a href=\"tel:18008271000\">1-800-827-1000<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-50\"><\/div>\n\n<\/div><\/div>\n\n\r\n\t<div class=\"va-modal-window hidden va-modal-1\">\r\n\t\t<div class=\"va-modal-content\">\r\n\t\t\t<button class=\"va-modal-close\">\r\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\">\r\n\t\t\t\t\t<path fill=\"#2b2b2b\" fill-rule=\"evenodd\"\r\n\t\t\t\t\t\td=\"M22 12c0 5.523-4.477 10-10 10S2 17.523 2 12 6.477 2 12 2s10 4.477 10 10ZM8.97 8.97a.75.75 0 0 1 1.06 0L12 10.94l1.97-1.97a.75.75 0 0 1 1.06 1.06L13.06 12l1.97 1.97a.75.75 0 0 1-1.06 1.06L12 13.06l-1.97 1.97a.75.75 0 0 1-1.06-1.06L10.94 12l-1.97-1.97a.75.75 0 0 1 0-1.06Z\"\r\n\t\t\t\t\t\tclip-rule=\"evenodd\" \/>\r\n\t\t\t\t<\/svg>\r\n\t\t\t<\/button>\r\n\t\t\t\n\n<h3 class=\"wp-block-heading has-text-align-center has-va-blue-color has-text-color has-link-color wp-elements-1\">Important links<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a href=\"https:\/\/www.va.gov\/life-insurance\/\" target=\"_blank\" rel=\"noopener\">VA life insurance Home Page<\/a><br><a href=\"https:\/\/www.va.gov\/life-insurance\/options-eligibility\/valife\/\" target=\"_blank\" rel=\"noopener\">Learn how to apply for VALife<br><\/a><a href=\"https:\/\/www.insurance.va.gov\/UnclaimedFunds\/Search\" target=\"_blank\" rel=\"noopener\">Unclaimed funds<\/a><\/p>\n\n\r\n\t\t<\/div>\r\n\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":143,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-238","page","type-page","status-publish","hentry"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/department.va.gov\/vba\/insurance-service\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"WebPage","headline":"Insurance Service","url":"http:\/\/department.va.gov\/vba\/insurance-service\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/department.va.gov\/vba\/insurance-service\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"evanw"}],"creator":["evanw"],"publisher":{"@type":"Organization","name":"Veterans Benefits 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