This is not a monetray decision, but one that lets you sleep at night. You can get dropped from a term life policy for whatevery reason the insurance company decides. Any time they decide.

Many insurance policies are "year to year" (you can cancel, and they can cancel) and you may end up with nothing.

BE CAREFUL and ask LOTS of questions of your insurance agent. But remember, just like the military personnel folks promising you something, his/her lips will be moving.

That being said, SBP is not cheap.