@abidingpatri0t Cool, you linked an article that shows spec ops peeps die in combat more often...
*** You're missing the point of life insurance.
Life insurance, whether insuring at SGLI maximums, less than that or another additional policy on top of, isn't bought based on whether or not you think you are going to die or are at greater risk. It's about your income stream and what (more importantly WHO) that stream provides for.
When young, you have very few things negatively effected if you would die. No wife, no mortgage, no kid's college.
You could be a young seal or young yeoman it doesn't matter. You don't need much life insurance. If any!
Now older you, with the wife, with kids, with the house, with college... you need that life insurance to cover those expenses if you die.