Life Insurance
Being a pilot usually doesn’t impact the life insurance choices available to you. We are here to assist you in finding the right insurer, taking into consideration the factors that can make a significant difference for you.
Our advisors may inquire of you:
- Do you travel commercially or in the military?
- What is your usual destination for flying?
- What is the total number of air hours you log each year?
It is common for pilots to receive standard terms when applying for life insurance.
The insurer will want to know about any private flying you do. It is important for them to inquire about the type of aircraft you pilot, the total flight hours you have completed, and your projected annual flight time.
Helicopter pilot applications might be evaluated differently by some insurers compared to airplane pilot applications.
Critical Illness
Critical illness cover is typically offered to commercial pilots at standard terms. There will be no price increase or occupational exclusion.
One of the conditions you can claim on these policies is Total Permanent Disability, although some insurers may indicate it is not available to you. This is the point where our acclaimed advisers can intervene to ensure you are receiving the most favorable contract available.
Income Protection
It is possible for pilots to have income protection, however, selecting a reputable insurer is crucial to ensure a reliable contract.
Many insurance providers do not approve income protection applications for pilots, but our knowledgeable advisers can help find a suitable placement for your application to ensure you have the necessary protection.
Pilots may receive sick pay from their employer for up to 5 years if they are unable to work due to illness. This is a valuable employee benefit, and income protection can provide financial support once the 5 years have passed.
Income protection policies typically begin payouts after 12 months of work incapacity, but you cannot utilize the policy while still receiving payments from your employer. Our advisers will guide you through understanding this complicated insurance terminology.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
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