Can I get Income Protection as an Airline Pilot?

I am an airline pilot and wondering if there is a specific pilots income protection policy available. Loss of licence insurance is one thing but I want something that would pay my income if I cannot work due to illness?

Question asked by Richard Wright
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Answered by Andrew Jenkinson

How the insurers view Pilots

This is an interesting topic as many insurers will not actually offer income protection to airline pilots which may seem rather strange given the rigorous health checks you need to go through as a pilot.

Pilots’ income protection is a common request and as we are independent we have searched the market for suitable insurers and found there to be only a couple of mainstream insurers which will provide cover with an own occupation definition, many simply declined to offer terms.

Making sure you have own occupation cover

Whether an airline pilot or any other occupation it is vital you check that whatever terms an insurer may offer, you ensure that they will cover you in your own occupation. The alternative is covering you in a suited occupation or work tasks, neither of which we would recommend – see guide ‘Own, Suited or Any Occupation Definition’.

The other important factor is that you are paying UK tax on your income, naturally with an income protection product you are allowed to cover a percentage of your earnings (often up to 65%) and when a claim arises you need to evidence your income either with your P60 or with your end of year accounts if self-employed.

Other risks which affect whether an insurer will be able to offer cover is the capacity of your role as a pilot and where you are flying to.

Speak to an adviser

If you would like to know more please do not hesitate to give us a call on 02084327333, we have a couple of experts who deal with pilots daily and are in a great position to help.

Alternatively if you would like to get an idea of the expected monthly premium you can get an instant income protection quote online.

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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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