The top insurance regulator in Kansas says military personnel returning from Iraq should review their life insurance coverage.

Insurance Commissioner Sandy Praeger also is offering tips to military families in case they consider altering their coverage. For example, she notes that people soliciting insurance sales on military bases must have permission from the U.S. Defense Department.

The U.S. Veterans Administration already offers low-cost life insurance coverage of up to 400,000 to service members on active duty, and it allows them to switch that coverage to a different program for veterans after they leave active duty.

Praeger says veterans who want to supplement that coverage or move to private coverage need to examine whether policies exclude coverage for war-related deaths or deaths that occur in traveling on noncommercial aircraft.