Liz dropped me another note in which she asks why there may be a missing market for disability insurance (I assume she means "catastrophic" disability) that does not have an act of war clause. She says National Guardsmen do not receive coverage from the government. That seems really odd. I am pretty sure that I had coverage when I worked as a contractor in Ukraine, but I would not have been holding a gun and thus a legitimate target. (Here's an example of such a policy.)

Googling found this from the National Guard Association of the US for technicians. What about the others?