VA Form 29-352: Reinstate Lapsed VA Life Insurance

VA Form 29-352: Reinstate Lapsed VA Life Insurance – Veterans with lapsed Government Life Insurance policies can use VA Form 29-352 to apply for reinstatement when the policy has been inactive for more than six months. This official form from the U.S. Department of Veterans Affairs helps eligible veterans restore valuable life insurance coverage.

What Is VA Form 29-352?

VA Form 29-352 is titled “Application for Reinstatement (Insurance Lapsed More Than 6 Months)”. It applies to Government Life Insurance policies, including those with a Total Disability Income Provision (TDIP).

Veterans use this 2-page form when more than 6 months have passed since the lapse date, regardless of age. It requires detailed personal, policy, health, and payment information. The current revision date is October 2023, which supersedes the November 2020 version.

Download the official form here:
Download VA Form 29-352 PDF

Who Should Use VA Form 29-352?

This form is for veterans with lapsed National Service Life Insurance (NSLI), United States Government Life Insurance (USGLI), or other VA-administered policies who want to reinstate coverage after a lapse exceeding 6 months.

It does not apply to shorter lapses (use other processes or forms) or Servicemembers’ Group Life Insurance (SGLI)/Veterans’ Group Life Insurance (VGLI), which have separate reinstatement procedures.

Key Requirements for Reinstatement

To reinstate a lapsed policy using VA Form 29-352:

  • Payment of overdue premiums: For term policies, send two premiums (one for the lapse month and one for the application month). For life and endowment policies, pay all unpaid premiums plus interest. Contact VA at 1-800-669-8477 for exact calculations.
  • Health information: Complete the health questionnaire in Section II. VA may require a physical examination.
  • Supporting documents: Include payment with the form.

Submit the completed form and payment to:
Department of Veterans Affairs
Insurance Center
PO Box 5209
Janesville, WI 53547-5209

Online options: Upload the form securely at www.insurance.va.gov or use online bill pay.

Step-by-Step Guide to Completing VA Form 29-352

Section I: Applicant’s Information

  • Provide full name, mailing address, SSN, VA claim number, and daytime phone number.
  • Enter policy number(s) — use a separate form for each policy.
  • Specify insurance amount, plan, lapse date, monthly premium, and amounts sent.

Payment Details

Calculate and include the required payment. Make checks or money orders payable to the Department of Veterans Affairs.

Section II: Statement of Applicant

Answer all health-related questions honestly (Yes/No). Provide details for any “Yes” answers in the remarks section, including dates, diagnoses, and providers. Sign and date the form.

Important: Any false statements may lead to cancellation of the policy or denial of claims.

What Happens After Submission?

VA reviews the application, payment, and health information. They may request a physical exam or additional records. Upon approval, the policy is reinstated with original terms (subject to any required adjustments). Processing times vary — contact VA Insurance at 1-800-669-8477 for status updates.

Tips for Successful Reinstatement

  • Act promptly — While no strict deadline exists, earlier action is better.
  • Gather accurate information — Have policy details, medical history, and payment ready.
  • Seek help if needed — Call the VA Insurance Center toll-free at 1-800-669-8477 for assistance with calculations or questions.
  • Keep copies — Retain records of your submission and payment.
  • Update contact info — Ensure VA has your current address and phone number.

Common Questions About VA Life Insurance Reinstatement

Can I reinstate if my health has changed?
Yes, but you must disclose all conditions. VA assesses based on the information provided and may require evidence of insurability.

Is there a time limit?
The form applies to lapses over 6 months. Check with VA for any overall eligibility windows based on your specific policy type.

What if I have multiple policies?
Submit a separate VA Form 29-352 for each policy number.

Why Maintaining VA Life Insurance Matters?

VA life insurance provides affordable, reliable coverage for veterans and families. Reinstatement restores this protection without needing a new policy, often at more favorable rates than new private insurance.

For the most current information, always refer to official VA sources.

Official Resources:

This article is for informational purposes only and is based on official VA documentation as of 2026. Consult the Department of Veterans Affairs directly for advice specific to your situation.