What Is Pilots Life Insurance?
Take to the skies with our dedicated aviation life insurance policies.
We’ve been supporting airline pilots for over twenty years. Whether you are a commercial pilot or you fly light planes as a hobby, our experienced life insurance specialists won’t wing it. Instead, we’ll take the time to find a policy for you that is plane and simple.
A pilot’s life insurance policy is the same as any other standard policy.
It will give you a tax-free lump sum if you were to pass away or are diagnosed with a terminal illness.
There are two types of life insurance policies: those with level cover and those with decreasing cover.
With level cover, you get a lump sum if you die during the policy’s term. Your level of protection will never change.
With decreasing cover life insurance, the amount of coverage goes down each year. People often use these policies to cover their mortgage payments when the amount they owe on the loan goes down over time.
We don’t expect you to know which is right for you.
Each type of life insurance has its own set of benefits. We will always take the time to talk with you about your options and what it would mean for your family if they ever had to file a claim.
We can talk about what aviation life insurance means for you, no matter what your situation is.
Risk of aortic rupture
Nosebleeds
Cramping sensations in the legs
Sensitivity to hot and cold
Weak muscles
Should pilots take out life insurance?
If you’re working as an airline pilot or you have a private pilot’s licence, we think you should take out a life insurance policy.
Not because you’re more likely to pass away than anyone else.
But we think that everyone should take as many precautions as they can.
In the past, life insurance providers may have hesitated to cover pilots. That’s because they might not have known how dangerous flying really is. Fortunately, aviation safety has improved a lot, and flying is seen as a safe job, so aviation life insurance policies are affordable.
But looking for a pilot’s insurance policy online could cost you more money than you need to spend.
That’s because online comparison sites don’t know the differences between different types of pilot licences, and their algorithms don’t take into account how much time you spend in the air.
But we will.
When you book a call with one of our life insurance experts, we’ll learn more about your flying experience and what kind of planes you fly.
We’ll ask you some easy questions, such as:
What kind of plane do you fly?
Do you fly on your own or for a company?
How long have you had your licence to fly?
How many hours of flight per year?
What kind of licence do you have to fly?
What countries do you go to when you fly across the world?
With this information, we can find out more about who you are. It means that we can find the right policy for you based on how much flying experience you have. This makes sure that you don’t pay more for your pilot’s life insurance policy than you need to.
How Coarctation of the Aorta life insurance, critical illness cover and income protection works:
Insurers will assess these main criteria when considering underwriting and approving an application for a person who wants life insurance with coarctation of the aorta:
Severity of the condition
When you were first diagnosed with coarctation of the aorta
Your age
Whether your coarctation of the aorta has been treated surgically
Medications currently being taken
Family medical history
Whether you smoke
Any other related health complications such as heart disease
At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.
Should pilots take out critical illness insurance?
Critical illness insurance policies offer protection should you be diagnosed with many critical illnesses, including
Pilots don’t have a higher chance of getting sick than anyone else, so it’s likely that you’ll be approved for critical illness insurance without any problems or extra costs.
If you got sick and couldn’t work, your critical illness plan would give you a lump sum. You could put that money toward your mortgage, rent, living expenses, or a much-needed holiday to help you feel better.
At The Insurance Surgery, our expert advisors have helped set up life insurance plans and critical illness policies for thousands of commercial airline pilots and private pilots like you. During our first meeting, we’ll talk to you to find out what kind of protection you already have, and we’ll go over different possible situations so you can be sure you’re getting the right protection for your needs.
We know you won’t find a better aviation insurance policy anywhere else, plane and simple.
Income protection for Pilots
It’s a dream come true for many people to work as a pilot.
After all, who wouldn’t want the skies to be their office every day?
In the United Kingdom, the national average salary for an Airline Pilot is £81,666 per year. However, depending on your pilot licence type, you may have opportunities to increase your earnings.
But if you become poorly or injured and cannot fly, can you cope financially? Many of us may rely on statutory sick pay entitlement or turn to our savings to see us through in the short term, but what would you do if you lost your wings indefinitely?
Our pilot’s income protection insurance policies are made to give you peace of mind that your finances will be taken care of in the worst-case scenario.
How does income protection for pilots work?
Aviation income protection plans will cover you for a wide range of mental and physical illnesses. So if you get hurt and can’t work because of it, it will give you time to get better.
Your pilot’s income protection policy will usually cover 50–70% of your monthly income. This will give you a financial cushion and much-needed breathing room to pay your bills and other living costs.
If your health keeps you from working, your policy will pay out until you can return to work. If you lose your wings indefinitely, your salary protection insurance could keep paying you each month until you’re old enough to retire.
On the other hand, it will pay out until the end of your policy’s term.
When you buy an income insurance policy from us, one of our helpful advisors will go over all the policy details with you to make sure you have the right amount of protection. In addition, we’ll talk about your current expenses and how much money you need to cope with your living costs.
We don’t want you to need to use your insurance to protect your income.
We want you to fly high for the rest of your career; salary protection will help you do that.
Why choose us to find your pilot’s life insurance policy?
Our reputation is why private and professional pilots choose The Insurance Surgery for their aviation life insurance.
We have helped many pilots flying light aircraft get life insurance with maximum coverage and low premiums.
From the moment you look for a policy to when you or your family need to make a claim, we will be here to support you and make the whole process as easy as possible.
Choosing the right life insurance policy isn’t just about finding the cheapest premium (although you won’t find anything more affordable, thanks to our price promise). Instead, you need to find an insurance company that will look out for your best interests.
You deserve an aviation life insurance provider with a history of paying out claims quickly and willing to cover you, whatever your hobbies or medical history.
We have excellent relationships with insurance providers all over the UK.
We’ll only recommend an insurance company we know will do what’s best for you.
We’ll explain any policy language and make sure you understand how your life insurance policy will protect you and your loved ones.
We’ll help you find an insurance policy that pays out how you want.
When the time comes, we’ll help your family find the proper paperwork and, if necessary, help you file a claim.
Fly high with our aviation insurance
One of the best ways to protect your family is with life insurance. Knowing that your family will have money even if the worst happens will give you peace of mind.
If you are a pilot, you might be looking for a specific aviation life insurance policy. Pilots have been coming to us for life insurance for over twenty years because we know how to find the best policies that offer the most protection for the least amount of money.
Life insurance policies for pilots shouldn’t cost a lot. After all, flying is proven to be a low-risk activity, with very few incidents. But there are many different types of pilot licences, and if your insurance company doesn’t understand what kind of flying you do, you might pay too much for a policy.
We can help with that.
We are experts at matching people to the right insurance company.
We help private and commercial pilots find good life insurance plans that will give them long-term peace of mind that their loved ones will be cared for.
