Can pilots get life insurance?

My wife and I have just purchased a house and need to get insurance to cover the mortgage should one of us die. As a pilot, can I get Life Insurance?

Question asked by Mark Jones
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Answered by Michael Englefield

What the insurers might want to know about your circumstances

This is a good question – given the nature of the job some people immediately think that there is a level of difficulty obtaining Life Insurance.

There are a few considerations that need to be taken into account that the insurer’s will ‘dig deeper’ into i.e. is this private flying? Is this commercial airline flying? Is this a combination of both? Is there any other flying involved?

What kind of pilot are you?

To summarise the above question- a commercial airline pilot will usually be able to obtain life insurance with no complications e.g. flying a plane for British Airways.

This tends to become more complicated if there is private flying involved, on its own or in combination with commercial aviation. In order to make a decision insurers will want to know what type of plane you fly, where you fly, how many hours you fly and whether there is any stunt flying.

Seek advice

One of our independent protection advisers can take down these details, call the underwriters at various insurers on your behalf and come back to you with which insurers are willing to offer you the best terms.

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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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