I retired from the AF at the end of 07. I do have SBP and TriCare. I went with Delta's dental and vision also. For life insurance we get $500,000 paid for by Delta as part of our contract. We get taxed on the value of that. For additional coverage I went with AAFMAA. It was the lowest cost life insurance I could find. I had VGLI for a bit but dropped it for the AAFMAA coverage. PM when you can if you have questions.