I 
119TH CONGRESS 
1ST SESSION H. R. 3576 
To amend title 38, United States Code, to make certain improvements to 
the laws administered by the Secretary of Veterans Affairs relating 
to life insurance for veterans, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 23, 2025 
Mrs. BIGGS of South Carolina introduced the following bill; which was referred 
to the Committee on Veterans’ Affairs 
A BILL 
To amend title 38, United States Code, to make certain 
improvements to the laws administered by the Secretary 
of Veterans Affairs relating to life insurance for veterans, 
and for other purposes. 
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 ‘‘Veterans’ Life Insur-
ance Expansion and Integrity Act of 2025’’. 
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SEC. 2. EXPANSION OF DEPARTMENT OF VETERANS AF-
FAIRS LIFE INSURANCE PROGRAM. 
(a) IN GENERAL.—Section 1922B of title 38, United 
States Code, is amended— 
(1) in subsection (a)— 
(A) in paragraph (1), by striking ‘‘service- 
disabled’’; 
(B) by striking paragraph (3); and 
(C) 
by 
redesignating 
paragraphs 
(4) 
through (6) as paragraphs (3) through (5), 
respsectively; and 
(2) in subsection (b), by striking ‘‘the veteran 
has a service-connected disability’’ and all that fol-
lows through the period at the end of paragraph (2) 
and inserting the following: ‘‘the veteran submits an 
application for such insurance before the veteran at-
tains 81 years of age’’. 
(b) CLERICAL AMENDMENT.— 
(1) SECTION HEADING.—Such section is further 
amended by striking the section heading and insert-
ing the following: 
‘‘§ 1922B. Veterans life insurance’’. 
(2) TABLE OF SECTIONS.—The table of sections 
at the beginning of chapter 19 of such title is 
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amended by striking the item relating to section 
1922B and inserting the following new item: 
‘‘1922B. Veterans life insurance.’’. 
(c) REPORT.—Not later than two years after the date 
of the enactment of this Act, the Secretary of Veterans 
Affairs shall complete a study on the veterans life insur-
ance program under section 1922B of such title (as 
amended by this Act) and submit to the Committees on 
Veterans Affairs of the House of Representatives and the 
Senate a report that includes, with respect to the period 
covered by the report— 
(1) the number of— 
(A) veterans enrolled in such program; 
(B) claims filed pursuant to such program; 
(C) insurance payments made by the Sec-
retary to claimants pursuant to such program; 
(D) the total amount of insurance pay-
ments described in subparagraph (C); and 
(E) contracts or policies for insurance 
under chapter 19 of such title cancelled or void-
ed by the Secretary pursuant to section 1910 of 
such title (as amended by this Act) due to ad-
ministrative error (as defined in such section); 
(2) an evaluation of— 
(A) the solvency and financial stability of 
such program; and 
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(B) the sufficiency of premiums under 
such program; and 
(3) a statement of the cost savings to the 
United States resulting from the cancellation or 
voiding by the Secretary, pursuant to section 1910 
of such title (as amended by this Act), of contracts 
or policies of insurance due to administrative error 
(as defined in such section). 
(d) EFFECTIVE DATE.—The amendments made by 
this section shall take effect on the date that is one year 
after the date of the enactment of this Act. 
SEC. 3. CONTESTABILITY OF CERTAIN DEPARTMENT OF 
VETERANS AFFAIRS INSURANCE CONTRACTS 
OR POLICIES ISSUED DUE TO ADMINISTRA-
TIVE ERROR. 
Section 1910 of such title is amended— 
(1) by inserting ‘‘(a) IN GENERAL.—’’ before 
‘‘Subject to’’; 
(2) by inserting ‘‘and subsection (b),’’ after 
‘‘section 1911 of this title’’; 
(3) by inserting ‘‘ administrative error,’’ after 
‘‘nonpayment of premium,’’; and 
(4) by adding at the end the following new sub-
sections: 
‘‘(b) CONTESTS DUE TO ADMINISTRATIVE ERROR.— 
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‘‘(1) PRIOR NOTICE; OPPORTUNITY TO SUBMIT 
EVIDENCE.—With respect to any decision of the Sec-
retary pursuant to this section to cancel or void a 
contract or policy of insurance due to administrative 
error, the Secretary shall provide the insured— 
‘‘(A) prior notice of such decision that in-
cludes an explanation of the administrative 
error underlying such cancellation or voiding; 
and 
‘‘(B) a period of not less than 90 days to 
submit to the Secretary evidence that no admin-
istrative error occurred with respect to such 
contract or policy. 
‘‘(2) EVIDENTIARY
REVIEW.—In any case 
where an insured submits to the Secretary evidence 
described in paragraph (1)(B), the Secretary shall 
determine whether such evidence satisfactorily dem-
onstrates that no administrative error occurred with 
respect to the contract or policy of the insured by 
not later than 180 days after the date on which the 
Secretary receives such evidence. 
‘‘(3) LIMITATION.—The Secretary may not, 
pursuant to this section, cancel or void a contract or 
policy of insurance due to administrative error after 
the date that is one year after the date of the 
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issuance, reinstatement, or conversion of such con-
tract or policy. 
‘‘(4) APPLICABILITY.—This subsection shall 
apply with respect to any contract or policy for in-
surance, regardless of whether such contract became 
effective before, on, or after the date of the enact-
ment of this subsection. 
‘‘(c) ADMINISTRATIVE ERROR DEFINED.—In this 
section, the term ‘administrative error’ means a clerical, 
technical, or processing mistake on the part of the Sec-
retary that caused the issuance, reinstatement, or conver-
sion of a contract or policy of insurance to an individual 
ineligible for such contract or policy on the date of such 
issuance, reinstatement, or conversion.’’. 
Æ 
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