both must be true? or just one?
both. You or your spouse may be able to get benefits early if you meet both of the requirements listed
I'm still interested in learning more about VA life insurance. Is there anything else I may know about VA benefits and services?
Yes there are other benefits that you might not be aware of. There are burial benefits and memorial items. You can get help planning a burial, order a headstone or other memorial items and apply for survivor and dependent benefits.