Can pilots get critical illness cover?

We’ve just had our first child and i’m looking at taking out critical illness cover in case something happens and I can’t work. I’m a pilot and although it can be seen as a dangerous job i was wondering if i could still get this cover?

 

I’ve had trouble in the past with getting other personal insurances and i’ve been recommended your service by a friend. Can you help?

Question asked by Matt Thomas
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Answered by Meena Ibrahim

Options for Pilots when considering Critical Illness Insurance

There are several insurers who can consider pilots for Critical Illness Cover but it is not always going to be readily available with all mainstream providers due to your occupation.

Generally speaking, one can expect to have the Total Permanent Disability (TPD) element removed from the plan or have a slightly less comprehensive version included.

It is often the case that critical illness cover is bought with life insurance as a combined policy and although cover would still be available, if you partake in private aviation (rather than being a commercial pilot) it is likely the insurer will charge a higher premium to reflect a higher mortality risk.

Speak to an expert

It would be best to speak to an independent adviser who can access the entire UK market which will enable a tailored and specific recommendation to be made as not all critical illness plans are identical in terms of the conditions that are covered and your adviser can discuss those differences between providers with you.

Our telephone number is 01273 646 484 or you can send us an email to help@drewberry.co.uk

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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