I 

109TH CONGRESS 

1ST SESSION H. R. 2747 

To amend title 38, United States Code, to enhance military and veterans’ 

life insurance programs administered by the Secretary of Veterans Affairs, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 7, 2005 

Mr. FILNER introduced the following bill; which was referred to the 

Committee on Veterans’ Affairs 

A BILL 

To amend title 38, United States Code, to enhance military 

and veterans’ life insurance programs administered by 

the Secretary of Veterans Affairs, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Disabled Veterans Life 

5 Insurance Enhancement Act of 2005’’. 
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1 SEC. 2. REDUCTION IN PREMIUMS UNDER SERVICE-DIS2 ABLED VETERANS INSURANCE PROGRAM. 

3 Section 1922(a) of title 38, United States Code, is 

4 amended— 

5 (1) by inserting ‘‘(1)’’ after ‘‘(a)’’; and 

6 (2) by striking the fourth sentence and all that 

7 follows and inserting the following: 

8 ‘‘(2) Insurance granted under this section shall be 

9 issued upon the same terms and conditions as are con10 tained in the standard policies of National Service Life 

11 Insurance, except that— 

12 ‘‘(A) the amount of such insurance shall be 

13 $50,000, or such lesser amount, evenly divisible by 

14 $10,000, as the insured may specify; 

15 ‘‘(B) the premium rates for such insurance— 

16 ‘‘(i) for premiums for months beginning 

17 before the date of the enactment of the Dis18 abled Veterans Life Insurance Enhancement 

19 Act of 2005 shall be based on the Commis20 sioners 1941 Standard Ordinary Table of Mortality and interest at the rate of 21 21 ⁄4 percent 

22 per year; and 

23 ‘‘(ii) for premiums for months beginning 

24 on or after that date shall be based upon the 

25 2001 Commissioners Standard Ordinary Table 
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of Mortality and interest at the rate of 41 1 ⁄2 per2 cent per year; 

3 ‘‘(C) all cash, loan, paid-up, and extended val4 ues— 

5 ‘‘(i) for a policy issued under this section 

6 before the date of the enactment of the Dis7 abled Veterans Life Insurance Enhancement 

8 Act of 2005 shall be based upon the Commis9 sioners 1941 Standard Ordinary Table of Mortality and interest at the rate of 21 10 ⁄4 percent 

11 per year; and 

12 ‘‘(ii) for a policy issued under this section 

13 on or after that date shall be based upon the 

14 2001 Commissioners Standard Ordinary Table 

of Mortality and interest at the rate of 41 15 ⁄2 per16 cent per year; 

17 ‘‘(D) all settlements on policies involving annu18 ities shall be calculated on the basis of the Annuity 

Table for 1949, and interest at the rate of 21 19 ⁄4 per20 cent per year; 

21 ‘‘(E) insurance granted under this section shall 

22 be on a nonparticipating basis; 

23 ‘‘(F) all premiums and other collections for in24 surance under this section shall be credited directly 
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1 to a revolving fund in the Treasury of the United 

2 States; and 

3 ‘‘(G) any payments on such insurance shall be 

4 made directly from such fund. 

5 ‘‘(3) Appropriations to the fund referred to in sub6 paragraphs (F) and (G) of paragraph (2) are hereby au7 thorized. 

8 ‘‘(4) As to insurance issued under this section, waiver 

9 of premiums pursuant to section 602(n) of the National 

10 Service Life Insurance Act of 1940 and section 1912 of 

11 this title shall not be denied on the ground that the serv12 ice-connected disability became total before the effective 

13 date of such insurance.’’. 

14 SEC. 3. INCREASE TO $200,000 IN MAXIMUM COVERAGE 

15 UNDER VETERANS’ MORTGAGE LIFE INSUR16 ANCE PROGRAM. 

17 (a) INCREASE.—Subsection (b) of section 2106 of 

18 title 38, United States Code, is amended— 

19 (1) by inserting ‘‘(1)’’ after ‘‘(b)’’; 

20 (2) by designating the second, third, and fourth 

21 sentences as paragraphs (2), (3), and (4), respec22 tively; 

23 (3) in paragraph (1), as designated by para24 graph (1) of this subsection, by striking ‘‘may not 

25 exceed’’ and all that follows through ‘‘on the housing 
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1 unit.’’ and inserting ′′shall be the amount of the loan 

2 outstanding on the housing unit, except that— 

3 ‘‘(A) coverage may not exceed $200,000; 

4 and 

5 ‘‘(B) a veteran may elect, in writing, to be 

6 covered for less than the maximum coverage 

7 available. ’’; and 

8 (4) in paragraph (2), as designated by para9 graph (2) of this subsection, by striking ‘‘of such in10 surance’’ and inserting ‘‘of insurance provided a vet11 eran under this section’’. 

12 (b) CONFORMING AMENDMENT.—Subsection (g) of 

13 such section is amended by striking ‘‘of this section or’’ 

14 and inserting ‘‘or an election under that subsection or by’’. 

15 (c) EFFECTIVE DATE.—The amendments made by 

16 subsection (a) shall take effect at the end of the 120-day 

17 period beginning on the date of the enactment of this Act. 

18 SEC. 4. INCLUSION OF STILL-BORN CHILDREN IN DEPEND19 ENT-COVERAGE UNDER SERVICEMEMBERS 

20 GROUP LIFE INSURANCE PROGRAM. 

21 (a) COVERAGE OF STILL-BORN CHILDREN.—Section 

22 1965(10) of title 38, United States Code, is amended by 

23 adding at the end the following new subparagraph: 

24 ‘‘(C) The member’s natural child from the 

25 fetal gestational age of 20 weeks (or from a 
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1 fetal weight of 450 grams if gestational age 

2 cannot be determined), other than a case in 

3 which there is an induced termination of preg4 nancy.’’. 

5 (b) EFFECTIVE DATE.—The amendment made by 

6 subsection (a) shall take effect as of November 1, 2001. 

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