It’s a pretty good deal. If the service member feels the need for more, the civilian world will be more than happy to take up the slack.
My daughter, in Mosul as I type, told me she was maxing out her life coverage. I told her to save her money since she has no depedendents, but she thought it was too good of a deal. Still don't get the reasoning, but it does sound like a very reasonable deal for someone with a family to take care of. She also told me she had started a Roth ira. Making contributions with tax free dollars into a retirement fund that will be tax free when she reaches retirement in 45 years. Plus gov contributes 10% of her contributions. That is a very good deal.