How To Get Life Insurance If You’re A Pilot

Shawn Plummer

CEO, The Annuity Expert

If you’re a pilot, you know the importance of having life insurance. Life insurance can provide your loved ones with financial security in an accident. However, finding life insurance as a pilot can be tricky. Most life insurers don’t offer policies to people who work in high-risk professions like flying. However, some insurers do offer policies to pilots. This guide will discuss how to get life insurance if you’re a pilot!

How To Get Pilot Life Insurance

If you’re a pilot, there are a few things you need to know about getting life insurance.

Most life insurers will not offer policies to pilots. This is because flying is considered a high-risk profession. However, some insurers do offer policies to pilots. When shopping for life insurance, be sure to ask if the insurer offers policies to pilots. Insurance companies will look over your logged flying hours and how long you have had your license, if it is commercial or private.

There will likely be a table rating on your policy as more risk is involved. While a table rating will increase your premium, you would still have life coverage just at a higher cost. If an insurance company decides a table rating is too risky, they may even put a total exclusion on flying. This is where if the insured were to be killed in a flying accident, no coverage would be paid out. If you’re looking for life insurance as a pilot, shop around and compare rates from different insurers.

What Are The Benefits

There are some benefits to having life insurance as a pilot. First, in an accident, your loved ones will have financial security. Life insurance can provide peace of mind in knowing that your family will be taken care of financially if something happens to you. Additionally, life insurance can cover final expenses like funeral costs and debts. If you’re a pilot, life insurance is essential to financial planning.

What Are The Drawbacks

There are some drawbacks to having life insurance as a pilot. First, the premiums can be expensive. This is because flying is considered a high-risk profession. Additionally, some life insurance policies have exclusions for pilots. For example, most policies will not cover accidents that occur while flying. Be sure to read the fine print of your policy, so you know what is and isn’t covered.

Recommended Life Insurance Companies For Pilots

Next Steps

No one wants to think about death, but it’s essential to be prepared for the unexpected. That’s why it’s crucial to have life insurance in place—so that your loved ones can continue living their lives without worrying about finances. As pilots, you face a unique set of risks that other people don’t, so it’s imperative to have the right life insurance policy in place. Contact us today to help you find the coverage you need; we have years of experience working with pilots and their families and know what you need to stay protected.

How To Get Life Insurance If You'Re A Pilot

Request A Quote

Get help from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top