BB57, considering that most LEOSA cases cost in the area of $10,000, (from a legal source I read online), you'll only have to hope you don't have a problem for 66.66 years.

Yes, I know I'm being facetious but realistically $10,000 is going to be on the lower end of the spectrum and while saving money is always good, if you need coverage "now" you're going to regret not having the PLI for not much more of an out of pocket cost than the $150 you were earmarking. (There are policies out there that are in that price range.)

BTW, someone in a post above asked about the financial health of the companies underwriting some of these policies and wondered if they'd be around when you need them...

...I checked before enrolling and the insurance company behind the policy I elected has the highest rating. (I'm still not a big fan of insurance companies by any means but I'm not about to drop my homeowner's policy either.)

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642-1, M&P15 TS