Sorry, wasn't clear on that was I? With other schemes you can claim up to 90% of the 'additional loading' back from the MOD at the end of the year. In my case this would mean I could claim back 90% of the £120 loading applied each month to my £18 premium. With SLI I pay a simple monthly premium (~£18) and am not loaded, and therefore do not need to claim back at the end of the year. Hope this clarifies my earlier post.