Service-Disabled
Veterans Insurance
RH
Information and
Premium Rates
Department of
Veterans Affairs
Veterans Benets
Administration
Washington, DC 20420
VA Pamphlet 29-9
Revised March 2022
P71900
1
1
General
This pamphlet contains premium rates and
descriptions of the various plans of insurance
issued under the Service-Disabled Veterans
Insurance Program. Policies for this insurance are
issued with the letters “RH” in front of the policy
number. NOTE: RH insurance is nonparticipating,
which means that no dividends are paid.
Who May Apply for RH Insurance
You may apply for RH Insurance if you meet the
following 4 criteria:
1. You were released from active service on
or after April 25, 1951.
2. You were released under other than
dishonorable conditions.
3. You have a service-connected disability.
4. You apply by December 31, 2022, or
within 2 years of receiving your disability
rating (whichever comes first).
You must also send one monthly premium with
your application, unless you plan on paying
premiums by deduction from VA compensation
benets or allotment from your service pay.
You must be in good health, except for your
service-connected disability(ies). You may qualify
for this coverage even if you have been rejected
for insurance by a commercial company or were
offered a policy at high premiums because of your
service-connected disability(ies).
2
How to Use this Pamphlet
This pamphlet should be used when you ll out
your application. Your application will refer you
to pages in this pamphlet. Simply review that page
before completing the block.
Example:
B. Plans of Insurance
(See pages 6 & 7)
Each plan of insurance has a different cost. Pages
8-16 of this pamphlet show the rates for each plan.
Please note that premium rates starting on page
8 are shown for $1000 of insurance. Once you
decide how much insurance you want, multiply
that amount by the rate for your age and plan.
Example:
Table 3-Rate per $1000
monthly
Age 51 $2.57
If you want $10,000 worth of insurance:
2.57
X 10
Your rate is $25.70
Before you decide to apply for this coverage,
we encourage you to compare our premium
rates to a few other insurance companies.
If your disability is not too serious, a
commercial company may be able to offer
you a better deal.
3
2
How To Contact Us
Beneciary Information
Below is some information that should help you
complete the beneciary portion of your RH
application:
• You may name as beneciary(ies) any person,
rm, corporation or other legal entity, including
your estate. A state court order or divorce
decree cannot restrict this right.
• The preprinted phrase “or to survivors” refers
to how payments will be made if a principal
beneciary dies before you. See the example
below:
Example: If you name three principal
beneciaries and one dies before you,
that share will be paid to the other
principal beneciaries, not to any contingent
beneciary(ies). If you want the contingent
beneciary(ies) to receive that share instead,
simply cross out the phrase, “or to survivor.”
3
Mailing Address:
Department of Veterans Affairs
Regional Ofce and Insurance Center
P.O. Box 7208
Philadelphia, PA. 19101
Web site: www.insurance.va.gov
Life Insurance Toll-free: 1-800-669-8477
5
Amount of Insurance
You can purchase this insurance in amounts
from $1000 to $10,000 (in multiples of $500).
If you have other Government Life Insurance,
the total amount of the policies cannot be more
than $10,000 (not including SGLI and VGLI).
In other words, even though you are covered
under Servicemembers’ or Veterans’ Group Life
Insurance, this does not deny you the right to buy
RH insurance.
You may apply for any plans described in this
pamphlet, starting on page 6. However, if you are
totally disabled, you are not eligible for any of the
endowment plans described.
Waiver of Premiums
We will waive your premiums if you become
totally disabled from any condition before your 65
th
birthday and remain totally disabled for 6 or more
consecutive months. This means that you will not
have to pay premiums as long as you remain totally
disabled. Please note that you can apply for waiver
even if your disability began before you apply for
RH insurance.
It’s to your advantage to apply for waiver, as soon
as possible, if you are unable to work due to your
disability. The percentage of your disability does
not determine if we will approve your application.
4
Insurance Age and Premium
Rates
Your age for insurance purposes is not always your
actual age. If 6 months or more have passed since
your last birthday, you are considered 1 year older.
Example:
If your birthday is 1/2/80 and you apply for the
insurance 6/30/10, you would be 30 years, 5
months and 29 days old. For insurance
purposes you would be 30.
If your birthday is 1/2/80 and you apply for the
insurance 7/30/10, you would be 30 years, 6
months and 29 days old. For insurance
purposes, you would be 31.
Take these three steps to nd the rate that applies
to you:
1. Determine your age for insurance purposes.
2. Use the insurance age and refer to Tables 1-9
in this pamphlet for premium rates.
3. Remember that the rates are per $1000 of
insurance coverage, so, you must multiply
by the amount of insurance you want.
(See the sample on the inside front cover.)
5
4
Plan
Loan
and
Cash Values
Features
FIVE YEAR LEVEL
PREMIUM TERM
NO
• Premiums increase every ve years.
• Premiums very low at younger ages, increase
considerably at older ages
• Automatically renews every ve years.
• Can convert to a permanent plan.
MODIFIED LIFE AT AGE 65
YES 9
• Must apply before age 61.
• Face amount is cut by ½ the day before 65
th
birthday
but premium remains the same for lifetime.
• Cheapest permanent plan, but…
Amount of insurance lost can be replaced with purchase
of another, separate policy at an additional cost of $6.58
per month per $1000
MODIFIED LIFE AT AGE 70
YES 10
• Must apply before age 70.
• Face amount is cut by ½ the day before 70
th
birthday,
but premium remains the same for lifetime.
• Amount of insurance lost can be replaced with purchase
of another, separate policy at an additional cost of
$8.64 per month per $1000.
ORDINARY LIFE YES 11
• Pay same premium throughout lifetime.
• No reduction of face amount.
• Lowest premium payment of any of the permanent
plans except Modied Life.
20-PAYMENT LIFE YES 12
• Pay same premium for 20 years, insurance continues
inforce throughout your lifetime.
• No reduction of face amount.
30-PAYMENT LIFE YES 13
• Pay same premium for 30 years, insurance continues
inforce throughout your lifetime.
• No reduction of face amount.
20 YEAR ENDOWMENT YES 14
• Pay same premium for 20 years. At end of 20 years,
insurance coverage ends and you will receive a check
for face amount of policy less any loans.
• If you die before 20 years, your beneciary will receive
a check for the amount of the insurance.
ENDOWMENT AT AGE 60 YES 15
• Pay same premium on policy up until the anniversary
date closest to your 60
th
birthday. At that time, insurance
coverage ends and you will receive a check for face
amount of policy less any loans.
• If you die before age 60, your beneciary will
receive a check for the amount of the insurance.
ENDOWMENT AT AGE 65 YES 16
• Pay same premium on policy up until the anniversary
date closest to your 65
th
birthday. At that time,
insurance coverage ends and you will receive a check
for face amount of policy less any loans.
• If you die before age 65, your beneciary will receive
a check for the amount of the insurance.
7
8
6
Page
No. for
Rates
Plan
Loan
and
Cash Values
Features
FIVE YEAR LEVEL
PREMIUM TERM
NO
• Premiums increase every ve years.
• Premiums very low at younger ages, increase
considerably at older ages
• Automatically renews every ve years.
• Can convert to a permanent plan.
MODIFIED LIFE AT AGE 65
YES 9
• Must apply before age 61.
• Face amount is cut by ½ the day before 65
th
birthday
but premium remains the same for lifetime.
• Cheapest permanent plan, but…
Amount of insurance lost can be replaced with purchase
of another, separate policy at an additional cost of $6.58
per month per $1000
MODIFIED LIFE AT AGE 70
YES 10
• Must apply before age 70.
• Face amount is cut by ½ the day before 70
th
birthday,
but premium remains the same for lifetime.
• Amount of insurance lost can be replaced with purchase
of another, separate policy at an additional cost of
$8.64 per month per $1000.
ORDINARY LIFE YES 11
• Pay same premium throughout lifetime.
• No reduction of face amount.
• Lowest premium payment of any of the permanent
plans except Modied Life.
20-PAYMENT LIFE YES 12
• Pay same premium for 20 years, insurance continues
inforce throughout your lifetime.
• No reduction of face amount.
30-PAYMENT LIFE YES 13
• Pay same premium for 30 years, insurance continues
inforce throughout your lifetime.
• No reduction of face amount.
20 YEAR ENDOWMENT YES 14
• Pay same premium for 20 years. At end of 20 years,
insurance coverage ends and you will receive a check
for face amount of policy less any loans.
• If you die before 20 years, your beneciary will receive
a check for the amount of the insurance.
ENDOWMENT AT AGE 60 YES 15
• Pay same premium on policy up until the anniversary
date closest to your 60
th
birthday. At that time, insurance
coverage ends and you will receive a check for face
amount of policy less any loans.
• If you die before age 60, your beneciary will
receive a check for the amount of the insurance.
ENDOWMENT AT AGE 65 YES 16
• Pay same premium on policy up until the anniversary
date closest to your 65
th
birthday. At that time,
insurance coverage ends and you will receive a check
for face amount of policy less any loans.
• If you die before age 65, your beneciary will receive
a check for the amount of the insurance.
7
6
Page
No. for
Rates
9
5-YEAR LEVEL PREMIUM TERM
Premium per $1,000
Insurance Age
Mo. Ann.
17 .20 2.38
18 .20 2.38
19 .21 2.49
20 .21 2.49
21 .22 2.61
22 .23 2.73
23 .24 2.85
24 .25 2.97
25 .26 3.09
26 .27 3.21
27 .28 3.33
28 .29 3.44
29 .31 3.68
30 .32 3.80
31 .34 4.04
32 .36 4.28
33 .38 4.51
34 .40 4.75
35 .43 5.11
36 .45 5.35
37 .48 5.70
38 .51 6.06
39 .54 6.41
40 .58 6.89
41 .62 7.36
42 .67 7.96
43 .71 8.43
44 .76 9.03
45 .82 9.74
46 .88 10.45
47 .95 11.28
48 1.02 12.12
49 1.10 13.07
50 1.19 14.14
51 1.28 15.20
52 1.38 16.39
53 1.49 17.70
54 1.61 19.12
55 1.75 20.79
56 1.89 22.45
57 2.04 24.23
58 2.21 26.25
59 2.39 28.51
60
2.59
30.88
61
2.81
33.50
62
3.04
36.23
63
3.30
39.32
64
3.58
42.64
65
3.89
46.33
66
4.22
50.25
67
4.58
54.52
68
4.97
59.15
69
5.40
NOTE: Premiums for “RH” term policies are capped at the age 70 rate.
8
16 .19 2.26
64.26
15
.19
2.26
70 5.86
69.73
Mo
15
.75
16
.77
17
.79
18
.81
19
.83
20
.86
21
.88
22
.91
23
.93
24
.96
25
.99
26
1.02
27
1.05
28
1.08
29
1.11
30
1.15
31
1.18
32
1.22
33
1.26
34
1.30
35
1.34
36
1.38
37
1.43
38
1.48
39
1.53
40
1.58
41
1.63
42
1.69
43
1.74
44
1.80
45
1.87
46
1.93
47
2.00
48
2.07
49
2.14
50
2.22
51
2.28
52
2.36
53
2.44
54
2.53
55
2.61
56
2.69
57
2.78
58
2.86
59
2.95
60
3.02
NOTE: This plan must be applied for before you reach age 60 + 7 months.
MODIFIED LIFE 65 PREMIUMS PER $1,000
INSURANCE REDUCING TO $500 AT AGE 65
9
Insurance Age
8
Ann.
8.91
9.15
9.38
9.62
9.86
10.22
10.45
10.81
1
1.05
11.40
11.76
12.12
12.47
12.83
13.19
13.66
14.02
14.49
14.97
15.44
15.92
16.39
16.99
17.58
18.17
18.77
19.36
20.07
20.67
21.38
22.21
22.93
23.76
24.59
25.42
26.37
27.20
28.15
29.10
30.17
31.12
32.07
33.14
34.09
35.16
35.99
11
NOTE: It may not be in your best interest to apply for the
plan of insurance after age 65. At age 70, the insurance will
reduce in half and it will cost more to purchase replacement
insurance.
MODIFIED LIFE 70 PREMIUMS PER $1,000
INSURANCE REDUCING TO $500 AT AGE 70
10
Insurance
Age
Mo. Ann.
17
.85
18
.87
19
.90
20
.92
21
.95
22
.98
23
1.01
24
1.04
25
1.07
26 1.10
27
1.13
28
1.17
29
1.20
30
1.24
31 1.28
32
1.32
33
1.37
34
1.41
35
1.46
36
1.51
37
1.56
38
1.61
39
1.67
40
1.73
41
1.79
42
1.85
43
1.92
44
1.99
45 2.06
46
2.14
47
2.22
48
2.30
49
2.39
50 2.48
51
2.57
52
2.67
53
2.77
54
2.87
55
2.98
56
3.09
57
3.21
58
3.33
59
3.44
60
3.57
61
3.69
62
3.81
63
3.92
64 4.03
65
4.14
16 .83
15 .81 9.62
Insurance
Age Con't
Mo. Ann.
66
4.23 50.25
68
69
67
4.34
4.35
4.30
51.55
51.67
51.08
10.10
10.33
10.69
10.93
11.28
11.64
12.00
12.35
12.71
13.07
13.42
13.90
14.25
14.73
15.20
15.68
16.27
16.75
17.34
17.94
18.53
19.12
19.84
20.55
21.26
21.98
22.81
23.64
24.47
25.42
26.37
9.86
27.32
28.39
29.46
30.53
31.72
32.90
34.09
35.40
36.70
38.13
39.56
40.86
42.41
43.83
45.26
46.56
47.87
49.18
ORDINARY LIFE PREMIUMS
Per $1,000
11
10
Insurance
Age
Mo. Ann.
17
1.02 12.12
18
1.05 12.47
19
1.08 12.83
20
1.11 13.19
21
1.15 13.66
22
1.18 14.02
23
1.22 14.49
24
1.26 14.97
25
1.30 15.44
26 1.34 15.92
27
1.38 16.39
28
1.43 16.99
29
1.47 17.46
30
1.52 18.06
31
1.57 18.65
32
1.63 19.36
33
1.68
19.96
34
1.74 20.67
35
1.80 21.38
36
1.87 22.21
37
1.94 23.04
38
2.01
23.88
39
2.08 24.71
40 2.16 25.66
41
2.25 26.73
42
2.33 27.68
43
2.43 28.86
44
2.52 29.93
45 2.62 31.12
46
2.73 32.43
47
2.85 33.85
48
2.97 35.28
49
3.09 36.70
50
3.23 38.37
51
3.37 40.03
52
3.52
41.81
53
3.68 43.71
54
3.85 45.73
55
4.03 47.87
56
4.22 50.13
57
4.42 52.50
58
4.63 55.00
59 4.86 57.73
60
5.10 60.58
61
5.36 63.67
62
5.64 66.99
63
5.93 70.44
64 6.24 74.12
65
6.58 78.16
66
6.94
82.44
67
7.32 86.95
68
7.73 91.82
69
8.17
16 .99 11.76
97.05
15 .97 11.52
Insurance
Age Con't
Mo. Ann.
70
8.64 102.63
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
71
108.69
115.10
121.99
129.48
137.43
145.99
155.25
165.23
175.92
187.44
199.91
213.34
227.95
243.63
260.50
278.91
298.74
320.36
343.88
369.66
398.29
430.71
468.61
515.65
9.69
10.27
10.90
11.57
12.29
13.07
13.91
14.81
15.78
16.83
17.96
19.19
20.51
21.93
23.48
25.15
26.97
28.95
31.12
33.53
36.26
39.45
43.41
48.76
9.15
579.20
13
20-PAYMENT LIFE PREMIUMS
Per $1,000
12
Insurance
Age
Mo. Ann.
17
1.87 22.21
18
1.91 22.69
19
1.95 23.16
20
1.99 23.64
21
2.02 23.99
22
2.06 24.47
23
2.11 25.06
24
2.15 25.54
25
2.19 26.01
26 2.24 26.61
27
2.28 27.08
28
2.33 27.68
29
2.38 28.27
30
2.43 28.86
31
2.48 29.46
32
2.53 30.05
33
2.58
30.65
34
2.64 31.36
35
2.70 32.07
36
2.76 32.78
37
2.82 33.50
38
2.88
34.21
39
2.95 35.04
40 3.02 35.87
41
3.09 36.70
42
3.17 37.65
43
3.24 38.49
44
3.32 39.44
45 3.41 40.51
46
3.50 41.57
47
3.59 42.64
48
3.69 43.83
49
3.79 45.02
50
3.90 46.33
51
4.02 47.75
52
4.14
49.18
53
4.27 50.72
54
4.41 52.38
55
4.56 54.17
56
4.72 56.07
57
4.89 58.09
58
5.07 60.22
59 5.26 62.48
60
5.47 64.98
61
5.70 67.71
62
5.94 70.56
63
6.20 73.65
64 6.48 76.97
65
6.79 80.65
66
7.12
84.57
67
7.47 88.73
68
7.86 93.36
69
8.28
16 1.84 21.86
98.35
15 1.80 21.38
Insurance
Age Con't
Mo. Ann.
70
8.73 103.70
72
73
74
75
76
77
78
79
71
109.40
115.70
122.47
129.71
137.67
146.11
155.37
165.23
175.92
9.74
10.31
10.92
11.59
12.30
13.08
13.91
14.81
9.21
13
Insurance Age Mo.
15
1.35
16 1.38
17 1.41
18 1.43
19 1.46
20 1.49
21 1.53
22 1.56
23 1.59
24 1.63
25 1.66
26 1.70
27 1.74
28 1.78
29 1.82
30 1.86
31 1.90
32 1.95
33 2.00
34 2.05
35 2.10
36 2.16
37 2.21
38 2.28
39 2.34
40 2.41
41 2.48
42 2.55
43 2.63
44 2.71
45 2.80
46 2.90
47 3.00
48 3.10
49 3.22
50 3.34
51 3.47
52 3.60
53 3.75
54 3.91
55 4.08
56 4.26
57 4.45
58 4.66
59 4.88
60 5.12
61 5.37
62 5.65
63 5.94
64 6.25
65 6.58
66 6.94
67 7.32
68 7.73
69 8.17
30-PAYMENT LIFE PREMIUMS
Per $1,000
12
Ann.
16.04
16.39
16.75
16.99
17.34
17.70
18.17
18.53
18.89
19.36
19.72
20.19
20.67
21.14
21.62
22.09
22.57
23.16
23.76
24.35
24.94
25.66
26.25
27.08
27.80
28.63
29.46
30.29
31.24
32.19
33.26
34.45
35.64
36.82
38.25
39.67
41.22
42.76
44.54
46.44
48.46
50.60
52.86
55.35
57.97
60.82
63.79
67.11
70.56
74.24
78.16
82.44
86.95
91.82
97.05
15
20-YEAR ENDOWMENT PREMIUMS
Per $1,000
NOTE: If you are totally disabled, you are not eligible for Endowment plans.
14
Insurance
Age
Mo. Ann.
17
3.43 40.74
18
3.44 40.86
19
3.44 40.86
20
3.45 40.98
21
3.46 41.10
22
3.46 41.10
23
3.47 41.22
24
3.48 41.34
25
3.49 41.46
26 3.50 41.57
27
3.51 41.69
28
3.52 41.81
29
3.53 41.93
30
3.55 42.17
31
3.56 42.29
32
3.58 42.52
33
3.59
42.64
34
3.61 42.88
35
3.63 43.12
36
3.66 43.48
37
3.68 43.71
38
3.71
44.07
39
3.74 44.43
40 3.77 44.78
41
3.81 45.26
42
3.85 45.73
43
3.89 46.21
44
3.93 46.68
45 3.98 47.28
46
4.04 47.99
47
4.10 48.70
48
4.16 49.41
49
4.23 50.25
50
4.31 51.20
51
4.40 52.27
52
4.49
53.33
53
4.59 54.52
54
4.70 55.83
55
4.82 57.25
56
4.96 58.92
57
5.10 60.58
58
5.26 62.48
59 5.43 64.50
60
5.62 66.76
61
5.82 69.13
62
6.05 71.86
63
6.29 74.72
64 6.56 77.92
65
6.85 81.37
66
7.17
85.17
67
7.52 89.33
68
7.89 93.72
69
8.30
16 3.43 40.74
98.59
15 3.43 40.74
Insurance
Age Con't
Mo. Ann.
70
8.75 103.94
72
73
74
75
76
77
78
79
71
109.64
115.82
122.59
129.83
137.67
146.22
155.37
165.23
175.92
9.75
10.32
10.93
11.59
12.31
13.08
13.91
14.81
9.23
ENDOWMENT AT AGE 60 PREMIUMS
Per $1,000
Insurance Age Mo.
15
1.30
16 1.34
17 1.39
18 1.44
19 1.49
20 1.54
21 1.60
22 1.66
23 1.72
24 1.79
25 1.86
26 1.93
27 2.01
28 2.10
29 2.19
30 2.28
31 2.39
32 2.50
33 2.62
34 2.74
35 2.88
36 3.03
37 3.19
38 3.37
39 3.56
40 3.77
41 4.01
42 4.26
43 4.55
44 4.87
45 5.24
46 5.66
47 6.13
48 6.69
49 7.34
50 8.12
51 9.07
52 10.25
53 11.77
54 13.78
55 16.58
56 20.78
57 27.74
58 41.64
59 83.27
NOTE: If you are totally disabled, you are not eligible for Endowment plans.
15
14
Ann.
15.44
15.92
16.51
17.11
17.70
18.29
19.01
19.72
20.43
21.26
22.09
22.93
23.88
24.94
26.01
27.08
28.39
29.70
31.12
32.55
34.21
35.99
37.89
40.03
42.29
44.78
47.63
50.60
54.05
57.85
62.24
67.23
72.82
79.47
87.19
96.45
107.74
121.75
139.81
163.69
196.95
246.83
329.51
494.62
989.12
17
NOTE: If you are totally disabled, you are not eligible for Endowment plans.
16
ENDOWMENT AT AGE 65 PREMIUMS
Per $1,000
Insurance Age Mo.
15
1.17
16 1.21
17
1.24
18 1.28
19 1.33
20 1.37
21 1.42
22 1.47
23 1.52
24 1.57
25 1.63
26 1.69
27 1.75
28 1.82
29 1.89
30 1.97
31 2.05
32 2.13
33 2.22
34 2.32
35 2.42
36 2.53
37 2.64
38 2.77
39 2.90
40 3.05
41 3.21
42 3.38
43 3.56
44 3.76
45 3.98
46 4.23
47 4.50
48 4.80
49 5.13
50 5.51
51 5.94
52 6.43
53 7.00
54 7.66
55 8.46
56 9.43
57 10.62
58 12.15
59 14.18
60 17.00
61 21.21
62 28.19
63 42.11
64 83.73
Ann.
13.90
14.37
14.73
15.20
15.80
16.27
16.87
17.46
18.06
18.65
19.36
20.07
20.79
21.62
22.45
23.40
24.35
25.30
26.37
27.56
28.75
30.05
31.36
32.90
34.45
36.23
38.13
40.15
42.29
44.66
47.28
50.25
53.45
57.02
60.94
65.45
70.56
76.38
83.15
90.99
100.49
112.01
126.15
144.32
168.44
201.93
251.94
334.85
500.20
994.59
Supplemental RH Insurance
Supplemental RH Insurance is insurance you
may be able to purchase in addition to your new
or present RH policy. To be eligible for this
supplemental insurance, you must meet all of
these requirements.
• Have an RH policy
• Be under age 65
• Meet the requirements for total disability
• You apply for coverage by December 31,
2022, or within 1 year from the date you
receive notice of the grant of waiver of
premiums OR before your 65th birthday,
whichever comes first.
If you are eligible for this supplemental
insurance, you may select any of the nine plans
of insurance shown on pages 8-16, including the
endowment policies. You must pay premiums
on the additional insurance because we do not
waive premiums on Supplemental RH Insurance.
Premium rates are based on your current
insurance age.
You may choose any amount of insurance from
$1,000 to $30,000 (in multiples of $500).
Rescission: VA Pamphlet 29-9
Revised March 2022
Distribution: Per VA Form 7225 and 7225a
17
16
Service-Disabled
Veterans Insurance
RH Information
and Premium Rates
VA Pamphlet 29-9
Revised March 2022
P71900
Department of
Veterans Affairs
Veterans Benets
Administration
Washington, DC 20420