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 Af-
fairs, 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 pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Disabled Veterans Life 
Insurance Enhancement Act of 2005’’.
SEC. 2. REDUCTION IN PREMIUMS UNDER SERVICE-DIS-
ABLED VETERANS INSURANCE PROGRAM. 
Section 1922(a) of title 38, United States Code, is 
amended— 
(1) by inserting ‘‘(1)’’ after ‘‘(a)’’; and 
(2) by striking the fourth sentence and all that 
follows and inserting the following: 
‘‘(2) Insurance granted under this section shall be 
issued upon the same terms and conditions as are con-
tained in the standard policies of National Service Life 
Insurance, except that— 
‘‘(A) the amount of such insurance shall be 
$50,000, or such lesser amount, evenly divisible by 
$10,000, as the insured may specify; 
‘‘(B) the premium rates for such insurance— 
‘‘(i) for premiums for months beginning 
before the date of the enactment of the Dis-
abled Veterans Life Insurance Enhancement 
Act of 2005 shall be based on the Commis-
sioners 1941 Standard Ordinary Table of Mor-
tality and interest at the rate of 21⁄4 percent 
per year; and 
‘‘(ii) for premiums for months beginning 
on or after that date shall be based upon the 
2001 Commissioners Standard Ordinary Table
of Mortality and interest at the rate of 41⁄2 per-
cent per year; 
‘‘(C) all cash, loan, paid-up, and extended val-
ues— 
‘‘(i) for a policy issued under this section 
before the date of the enactment of the Dis-
abled Veterans Life Insurance Enhancement 
Act of 2005 shall be based upon the Commis-
sioners 1941 Standard Ordinary Table of Mor-
tality and interest at the rate of 21⁄4 percent 
per year; and 
‘‘(ii) for a policy issued under this section 
on or after that date shall be based upon the 
2001 Commissioners Standard Ordinary Table 
of Mortality and interest at the rate of 41⁄2 per-
cent per year; 
‘‘(D) all settlements on policies involving annu-
ities shall be calculated on the basis of the Annuity 
Table for 1949, and interest at the rate of 21⁄4 per-
cent per year; 
‘‘(E) insurance granted under this section shall 
be on a nonparticipating basis; 
‘‘(F) all premiums and other collections for in-
surance under this section shall be credited directly
to a revolving fund in the Treasury of the United 
States; and 
‘‘(G) any payments on such insurance shall be 
made directly from such fund. 
‘‘(3) Appropriations to the fund referred to in sub-
paragraphs (F) and (G) of paragraph (2) are hereby au-
thorized. 
‘‘(4) As to insurance issued under this section, waiver 
of premiums pursuant to section 602(n) of the National 
Service Life Insurance Act of 1940 and section 1912 of 
this title shall not be denied on the ground that the serv-
ice-connected disability became total before the effective 
date of such insurance.’’. 
SEC. 3. INCREASE TO $200,000 IN MAXIMUM COVERAGE 
UNDER VETERANS’ MORTGAGE LIFE INSUR-
ANCE PROGRAM. 
(a) INCREASE.—Subsection (b) of section 2106 of 
title 38, United States Code, is amended— 
(1) by inserting ‘‘(1)’’ after ‘‘(b)’’; 
(2) by designating the second, third, and fourth 
sentences as paragraphs (2), (3), and (4), respec-
tively; 
(3) in paragraph (1), as designated by para-
graph (1) of this subsection, by striking ‘‘may not 
exceed’’ and all that follows through ‘‘on the housing
unit.’’ and inserting ″shall be the amount of the loan 
outstanding on the housing unit, except that— 
‘‘(A) coverage may not exceed $200,000; 
and 
‘‘(B) a veteran may elect, in writing, to be 
covered for less than the maximum coverage 
available. ’’; and 
(4) in paragraph (2), as designated by para-
graph (2) of this subsection, by striking ‘‘of such in-
surance’’ and inserting ‘‘of insurance provided a vet-
eran under this section’’. 
(b) CONFORMING AMENDMENT.—Subsection (g) of 
such section is amended by striking ‘‘of this section or’’ 
and inserting ‘‘or an election under that subsection or by’’. 
(c) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect at the end of the 120-day 
period beginning on the date of the enactment of this Act. 
SEC. 4. INCLUSION OF STILL-BORN CHILDREN IN DEPEND-
ENT-COVERAGE 
UNDER 
SERVICEMEMBERS 
GROUP LIFE INSURANCE PROGRAM. 
(a) COVERAGE OF STILL-BORN CHILDREN.—Section 
1965(10) of title 38, United States Code, is amended by 
adding at the end the following new subparagraph: 
‘‘(C) The member’s natural child from the 
fetal gestational age of 20 weeks (or from a
fetal weight of 450 grams if gestational age 
cannot be determined), other than a case in 
which there is an induced termination of preg-
nancy.’’. 
(b) EFFECTIVE DATE.—The amendment made by 
subsection (a) shall take effect as of November 1, 2001. 
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