Claude,
I believe that you wil find Services Life Insurance by Sterling Life the one to go for. It has been specifically designed for Service needs and no one gets loaded. Seriously, it is that good. Covered for eveything, anywhere, (including Service recognised 'Extreme sports!') This is the one that the MoD has been organising on our behalfs. Your PSF / HR Admin will have details. I filled in the form (10 minutes max) and 2 days later received my signed up insurance. There is none of this 'are you under orders?' bolleaux (my force is literally all under orders permanently!) and there is no such thing as loading. A Harrier mate pays the same as a Herc mate who pays the same as a Regt gunner who pays the same as a PTI, etc.
I wish I had shares in this company!
BF
(I am not a Financial Advisor, in fact I barely have enough of my own to warrant a bank account. However, for what is worth I think this is chuffing good and all Servicemen & Women should at least have a good look at this.)