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Servicemembers' Civil Relief Act (SCRA) Benefits

Program Description

Under the Servicemembers' Civil Relief Act (SCRA), the Department of Veterans Affairs (VA) may protect the life insurance of a Servicemember called to active duty. The insurance will be protected from default for nonpayment of premiums for up to $400,000. The protection applies during the insured's period of military service and for a period of two years thereafter.

General Program Requirements

The following conditions apply:
  • The policy must be whole life, endowment, universal life, or term insurance,
  • The policy must have been in force on a premium-paying basis for at least six months at the time the Servicemember applies for benefits, and prior to the date of the insured's entry into military service,
  • The member remains responsible for paying the premiums following service,
  • Military service cannot cause benefits from the policy to be limited, reduced, or excluded.
Policies for which an additional amount of premium is charged due to military service are not eligible for protection under SCRA.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

The Servicemember must apply for protection of their life insurance by filing VA Form 29-380 "Application For Protection Of Commercial Life Insurance Policy" with their insurance company and forwarding a copy of the application to VA.

Program Contact Information

If you have questions:
  • Call 1-877-222-VETS (8387)
  • Visit the Inquiry Routing & Information System (IRIS) website to search Frequently Asked Questions or ask a question on-line
  • Call 1-800-829-4833, if you are hearing impaired
To apply for additional Veterans' benefits and view your benefit status, open an eBenefits Premium account. eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans and Servicemembers can conduct self-service transactions such as checking claim status information, GI Bill enrollment, and obtaining copies of civil service preference letters, DD214, and other personal information. For further information and to register for a free Premium level account, visit the eBenefits website.