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Life Insurance for Pilots

Advantage One Insurance is a consumer driven website that lets you compare rates from some of the best companies in the nation. Our state of the art quoting system will not only provide you with quotes but it will also help analyze your health class. Simply answer a few questions about yourself and instantly compare quotes from over a 140 companies.

If you are a pilot, the topical question you are likely to be asking in regard to getting life insurance, is how has 9/11 affected costs? Has life insurance increased substantially, in a similar way to the costs involved in flying more generally since the terror attacks? In fact most pilots will not face heavily increased premiums. Premiums have certainly raised for those pilots who operate in unstable nations, but those who operate in the West, or fly internal flights across the United States, are unlikely to see higher costs. Terrorism certainly has had an effect on those pilots flying for relief work: indeed, if you operate in unsafe countries it may be difficult to receive life insurance at all, but if you operate in generally safe nations, do not worry your premiums are unlikely to be any higher than before 9/11.


Rather than 9/11 leading to a sharp rise or fall in pilots requesting life insurance, the number that have been applying for policies has actually been slowly increasing, probably due to the increased availability of pilot-centred life insurance. Pilot-centred life insurance represents sophistication in the types of coverage available. In the past, life insurance firms tended to cluster all pilots together into one category, which meant higher premiums for all, whether you were a commuter pilot who flew every day, or an occasional pilot who enjoyed recreational flying at the weekend.

Pilot Life Insurance Rates

Pilot-centred life insurance will offer you a premium in keeping with the type of flying you are doing. It ensures pilots are not clustered together and divides them into categories according to the level of risk involved in their flying. The casual pilot can enjoy a lower premium than a commuter pilot, who in turn will enjoy a lower premium than an aerobatics enthusiast!

Indeed, being a pilot is not all bad for those seeking affordable life insurance. The advantage of the career or the hobby is that those that fly are inclined to earn more and be healthier than those who do not. Consequently, while pilots may have a risk factor involved in their choice of occupation or activity, they may not suffer from the common risk factors evident among groups of non-flyers: unhealthy lifestyles and medical conditions, perhaps motivated by poorness and the consequent lack of quality healthcare.

If you are a pilot consider shopping around carefully for your life insurance. Consider going to insurers who factor in the type of pilot you are, the frequency you fly and the certificate you have. Go to agents who understand pilot ratings, the importance of experience, and the nature of the aircraft you are flying. As a rule of thumb, the more questions you are asked, the more likely if you are an occasional pilot at least the quote you will obtain will be affordable! If you are a pilot who flies many hours, it may be that the opposite is true. A well-known secret among frequent flyers is that general insurers may sometimes underestimate risk factors. Flying fire suppression, for example, elevates quotes from specialist insurers, while you are unlikely to even be asked if this is the case from a general insurer. Ignorance can be bliss!