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Know the aviation guidelines before submitting an application

Before proceeding with an application, make sure your agent has consulted the aviation guidelines of the insurance company he/she is applying you with to verify that you were quoted correctly. Some insurance companies have strict and fairly detailed guidelines as to what premium class you can be approved at based on your aviation experience (certificates, ratings, flight hours, type of flying, etc.). Other companies take the approach that all pilots are dangerous and charge them a hefty risk premium. An aviation experienced agent can qualify your experience to the insurance company's guidelines to provide you with an accurate price quote.

Did you know?

  • Most insurance company guidelines will exclude you from their top preferred rates unless you are a pilot or crewmember on a regularly scheduled U.S. based airline
  • Private pilots with less than 300 total hours and no instrument rating will likely receive a policy with the addition of a flat extra fee or an Aviation Exclusion Rider
  • Many employer-sponsored life insurance plans will exclude coverage on death due to general aviation activity.
  • Flying activities such as aerobatics, experimental aircraft or ultralights will likely increase your rates dramatically.

What All Pilots Should Know When Applying For Life Insurance
1. Work with an aviation experienced insurance agent
2. Know the aviation guidelines before submitting an application
3. Complete the insurance aviation supplement form correctly

All-Around Tips When Applying For Life Insurance
1. How to have a better medial exam
2. Disclose your complete medical history to the insurance company
3. The low-down on smoking rates
4. The more you weigh, the more you pay
5. Conclusion

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