Title: Life Insurance for Pilots | Policygenius
Headings: Do pilots pay more for life insurance?
Do pilots pay more for life insurance?
Being a pilot could get you higher life insurance rates, but depending on why and how often you fly, you might not see a price difference at all.
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Why your occupation affects your life insurance rates
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Underwriting process for pilots
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How being a pilot affects your life insurance rates
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Content: You’ll answer questions about this during the underwriting process. Underwriting process for pilots
During the initial interview in the underwriting process, you’re asked questions about your health, family background, and lifestyle choices — including whether or not you hold an aviation license. If you’re not a pilot by trade but fly for fun, the underwriter will want to know if you’ve flown in the last two to five years and if you intend to fly within the next two years. Holding an aviation license will usually trigger some additional underwriting so that the life insurance company can accurately determine what your life insurance policy should look like. Some of the questions you might be asked about your flying hobby could include: What level of training you have
How frequently you fly
Instruments you have a license for
Type of aircraft you fly
The purpose and reasoning behind the activity
It’s best to be as honest as possible when answering these questions. If your life insurance company finds out you lied during your application and you die in an airplane accident, they could completely invalidate your coverage and your beneficiaries won’t receive the death benefit. Best life insurance companies for pilots
Every life insurance company treats each individual circumstance differently — and this is no different for how they classify pilots. Depending on your age, how frequently you fly, and whether you are a commercial pilot, student pilot, or fly for fun, you can receive one of the following life insurance classifications: Preferred Plus - The best life insurance classification that receives the lowest premiums.