Due to the high-risk nature of their occupation pilots may be charged a different rate for life insurance premiums – especially pilots of small airplanes. In general, insurance companies don’t understand the nature of flying and what it involves, so they either add an excessive surcharge or have an exclusive rider voiding the policy in the event of a deadly airplane crash.

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Pilot Insurance Center

The Pilot Insurance Center is working with some of the major life insurance companies in order to develop underwriting criteria allowing them to offer insurance policies with special rates for pilots. This is highly recommended for pilots, because it allows them to have the ability to provide insurance coverage for their families in the unfortunate event of premature death caused by a plane crash or any other means.

Analysis of Risk Involvement

In general insurance companies rate their policies according to the type of risk involved, so if there is high risk the premium is more expensive. Insurance companies consider pilots such high risk professionals that they even try to exclude from the policies death while piloting a plane. In fact, there are more automobile accidents than plain crashes, and still insurance companies don’t have exclusion provisions relating to this subject. It seems quite strange to exclude a profession based on “ possibility “ when people are killed in car crashes every minute in some major cities, or just by crossing the street. Since we can’t change the way the industry is set up, working our way around it may be the best option.

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Researching Companies

The Pilot Insurace Center is one option you may want to consider. Buying life insurance through this company is convenient because they do a lot of the research for you. However this shouldn’t stop you from doing your own research, to be certain it is a good deal. If you decide to do your own search, be aware of what is offered and if there are any occupational exclusions to the policy. Making sure the policy covers you in the event of death when piloting an airplane is important because it will protect your family when the time comes.

No matter what type of pilot license you have -- Airline pilot, Sport pilot, Recreational, Student, Private pilot, Commercial -- we can help you find the best life insurance rates for your situation.