Top Cover insurance
As someone who is in receipt of the Top Cover $2000us a month, i think it's quite reasonable. You have to wait 180 days, send lots of paperwork, which is fair but the payments coincide with going to half pay with Cx which is convenient. Every bit helps and considering what little you have to do to be entitled ie join the aoa, i think you'd be daft not to do it. oh it is valid for 5 years of payments too.