Ok, according to the website above:
There are two sections that cover termination and forfeiture of coverage. The list includes everything you would expect. No funny business: these are serious reasons to not allow SGLI.
These are NOT reasons: Not wearing a seatbelt, drunk driving or suicide.
These ARE reasons: AWOL, court-martial, arrest, mutiny, treason, spying, desertion, conscientious objectors, or receiving punishment from the law for a crime (still pays out for enemy "capital punishments"). Keep in mind each case is different and not always clear cut. For example, a Soldier suffering from long documented PTSD who goes AWOL.
So what's the big deal with the LINE OF DUTY "NO?"http://militarypay.defense.gov.../SR15_Chapter_12.pdf
There are a lot of benefits that your survivors are eligible for with a LINE OF DUTY "YES." Again, every case is different, but many require a death/disability in the line of duty.
Here are a few examples:
Immediate Income Assistance - death gratuity, burial benefits, social security lump-sum payment,
Transition Assistance - can include counseling, TRICARE, BAH
Income replacement - AKA Survivors Benefit Plan - Payment to survivor (spouse and/or child)
To tell you the truth about line of duty investigations, if you do something stupid, you are essentially putting your survivors' future in the hands of another person. That person, the investigating officer, is given a set of guidelines, but it ultimately left up to decide on their own "yes" or "no." Would you say that drunk driving is for sure a line of duty "no?" Maybe you can, but the next person can't. I think about this every time I want to get adventurous mischief.