True or False: Gratuitous S-DVI insurance was payable only as a lump sum payment before 1991.

The correct answer is that the statement is false. Prior to 1991, while gratuitous Service-Disabled Veterans Insurance (S-DVI) was typically provided as a lump sum payment, there were options available for payment structures that included other forms, such as monthly payments. This reflects a broader understanding of benefits provided to veterans, where flexibility in disbursement options is considered, allowing veterans to manage their insurance proceeds in a way that fits their financial situation. Thus, the notion that gratuitous S-DVI was payable solely as a lump sum before 1991 is inaccurate, as additional options facilitated better support for veterans.