I believe that only aircrew can claim back the premium loading (OK, OK, should have tried harder at school/OASC etc!). I'm in PAX, but the maximum payout is not all that much, certainly not enough to provide for a family. I recently tried to take out an extra policy, but try doing that when you have notice to deploy on an op. Even going through a specialist broker only one company would touch me, with a massive premium loading, and I could not claim back a penny of it.
If there is a company out there who will cover you in an operational theatre without a loading then please post the name: it's not advertising, it would be a public service! PM otherwise...