One complaint here!!!
I've used USAA for 28 years for auto and homeowner's insurance.
When I retired, I asked what they had to replace SGLI. I also asked if they had a war clause and told them I was an airline pilot. The war clause wasn't a problem, but being a pilot was. I reminded them I wasn't the only USAA member who was retired military and was an airline pilot. That comment received a lame response and I told them I'd look elsewhere. I also put my observations in writing. I did receive a written response which basically said USAA had to protect their assets and that any type of commercial aviation activity was an unacceptable risk.
A neighbor, also retired military, helped me obtain a policy to replace SGLI with no war clause and they didn't hold flying against me. My annual premium, for a $250,000 policy, is $400. The premium is higher if you don't pay annually.
The company is First Penn Pacific Life Insurance Company. I looked at others, including AFBA. Dollar for dollar, First Penn Pacific has more complete coverage than any I found.
Fly safe!