ratio to the total amount of the additional death 
gratuity under paragraph (2) as the amount of the 
share of the regular military death gratuity payable 
to that beneficiary bears to the total amount of the 
regular military death gratuity payable to all such 
beneficiaries in such case. 
(4) DEFINITIONS.—In this subsection: 
(A) The term ‘‘additional death gratuity’’ 
means the death gratuity provided under para-
graph (1). 
(B) The term ‘‘regular military death gra-
tuity’’, means a death gratuity payable under 
sections 1475 through 1477 of title 10, United 
States Code. 
SEC. 3. SERVICEMEMBERS’ GROUP LIFE INSURANCE EN-
HANCEMENTS. 
(a) 
INCREASED
MAXIMUM
AMOUNT
UNDER 
SERVICEMEMBERS’ GROUP LIFE INSURANCE.—Section 
1967 of title 38, United States Code, is amended— 
(1) in subsection (a)(3)(A), by striking clause 
(i) and inserting the following new clause: 
‘‘(i) In the case of a member— 
‘‘(I) $400,000 or such lesser amount as 
the member may elect;
‘‘(II) in the case of a member covered by 
subsection (e), the amount provided for or elect-
ed by the member under subclause (I) plus the 
additional amount of insurance provided for the 
member by subsection (e); or 
‘‘(III) in the case of a member making an 
election under paragraph (2)(A) not to be in-
sured under this subchapter, the amount of in-
surance provided for the member by subsection 
(e).’’; and 
(2) in subsection (d), by striking ‘‘$250,000’’ 
and inserting ‘‘$400,000’’. 
(b) ADDITIONAL AMOUNT FOR MEMBERS SERVING 
IN CERTAIN AREAS OR OPERATIONS.— 
(1) INCREASED
AMOUNT.—Section 1967 of 
such title is further amended— 
(A) by redesignating subsection (e) as sub-
section (g); and 
(B) by inserting after subsection (d) the 
following new subsection (e): 
‘‘(e)(1) A member covered by this subsection is any 
member as follows: 
‘‘(A) Any member who dies as a result of one 
or more wounds, injuries, or illnesses incurred while 
serving in an operation or area that the Secretary
designates, in writing, as a combat operation or a 
zone of combat, respectively, for purposes of this 
subsection. 
‘‘(B) Any member who formerly served in an 
operation or area so designated and whose death is 
determined (under regulations prescribed by the Sec-
retary of Defense) to be the direct result of injury 
or illness incurred or aggravated while so serving. 
‘‘(2) The additional amount of insurance under this 
subchapter that is provided for a member by this sub-
section is $150,000, except that in a case in which the 
amount provided for or elected by the member under sub-
clause (I) of subsection (a)(3)(A) exceeds $250,000, the 
additional amount of insurance under this subchapter that 
is provided for the member by this subsection shall be re-
duced to such amount as is necessary to comply with the 
limitation in paragraph (3). 
‘‘(3) The total amount of insurance payable for a 
member under this subchapter may not exceed $400,000. 
‘‘(4) While a member is serving in an operation or 
area designated as described in paragraph (1), the cost 
of insurance of the member under this subchapter that 
is attributable to $150,000 of insurance coverage shall be 
contributed as provided in section 1969(b)(2) of this title