Estimate how long you will live, and the amount of your monthly retirement pay.

You will probably come up with a value in the $3-4 million dollar range.

Call USAA and ask how much a life insurance policy for that amount would cost. They said they couldn't go that high, but (I think it was $750,000) was 4000 a month.

SBP was 300 a month, for spouse and child. My case is slightly different; I have a lifetime dependent child. Not sure if the regular type will time-out of SBP.

Seemed like an easy choice, not for the spouse, but for your kids and/or grandkids.