I have noted a lot of professional insurance and financial people weighing in on various topics on this forum. I have an question on life insurance for a newly commissioned officer that I could use some help with. Recently, a financial/ insurance company suggested my DS take out a life insurance policy. Their policy carries a guaranteed rider that allows the holder to double the coverage when they separate from the service. The suggestion was that if he were injured or deemed uninsurable for any reason (forcing his separation from the military) this policy would not only stand but could be doubled without exception thus providing for a future wife/ children upon his death. If instead, he considered only his military life insurance benefits while active duty and a horrific injury (or PTSD or whatever) occurred and necessitated a separation he could be left uninsurable for life insurance. Agent advised cost is low now but could go up when he gets his first duty assignment. I have been out far too long to even remember what benefits you get as an active duty military officer but what got me thinking was the potential of becoming uninsurable after leaving the service. Any recommendations or comments?