Commercial Pilot Life Insurance & Income Protection Cover

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

Commercial Pilot Life Insurance

This article discusses why, as a Commercial Pilot, you should get life insurance cover. We will also explain how we are committed to providing you with the best quote wholly tailored to your circumstances. Carry on reading to find out more.

A Brief Overview of Life Insurance, Critical Illness and Income Protection Cover

If you are a Commercial Pilot, getting a quote for life insurance and the associated cover comes under the remit of specialist underwriters for higher-risk occupations.

As the odds of dying in a plane crash have diminished compared to a generation ago, underwriters have reflected this in policy premiums which have come down.

Life insurance policies are also much more tailored. Pilots are considered less as one higher risk category. Different types of commercial flying are looked at separately.

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How using Insurance Hero can save you £££s

Insurance Hero has long-standing relationships with specialist insurers for high-risk occupations. For Commercial Pilot life insurance, an underwriter must understand aviation risk. We only use aviation specialists for Commercial Pilot quotes.

A Commercial Pilot is a very technical profession, and we will ensure we accurately find out questions like:

  • How many hours do you fly per month?
  • Current certificates or licenses held
  • How long have you been certified?
  • Commercial aircraft currently flying
  • Previous flying incidents

We are not limited to the services of a single underwriter. Importantly, we understand the necessity of a rigorous fact-finding questionnaire, ensuring that we have accurate details to pass on to the underwriter reducing the chance of a misquote.

Potentially this can save you a substantial amount of money. Without a thorough pre-quote process, a policy may not have the blanket cover that ensures a payout.

What is Life Insurance Cover for Commercial Pilots?

If you have a family or dependents and are working in a higher-risk occupation, then life insurance cover is highly recommended. In return for regular premiums, a lump sum payout will occur in the case of death in the workplace.

For Commercial Pilots, the cost of life insurance coverage will vary depending on many factors. Insurance Hero will go through a detailed series of questions with you to find out your daily occupational activities and your circumstances.

We will then pass this information on to the specialist underwriter for a quote. As an example, we need to understand if you are:

  • Cargo or freight pilot?
  • A captain or first officer?
  • Plane pilot
  • Helicopter pilot
  • Flight instructor

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Regular Pilot Medical Tests Help Keep Premiums Down

Commercial pilots must adhere to rigid regulations from the Aviation Authorities, particularly concerning health. Insurers favourably view consistently high levels of fitness. It is a nice counterbalance to what is still a higher-risk occupation and can keep premiums down.

Regular medical examinations are required and can be every six months, depending on age. Underwriters recognise good health to pass these medical tests and can result in preferred premiums compared to other similarly rated high-risk occupations.

Contact one of our friendly insurance agents at Insurance Hero now on 0203 129 88 66. It is our priority to not only get you a competitive quote but to ensure the quote is accurate and reflects your current circumstances as a Commercial Pilot. Private Pilots life insurance cover is also available.

Commercial Pilot Critical Illness Cover

As with many higher-risk professions, medical issues can affect the ability of a commercial pilot to do their job. Critical illness cover seeks to provide protection should you not be able to work due to the diagnosis of a specified illness or medical procedure covered within the policy.

As with life insurance cover, Insurance Hero will complete an accurate fact-finding questionnaire to pass on to the specialist underwriter. Having a competitive premium is essential, but you must not overlook the importance of a correctly formulated policy accurately reflecting your circumstances.

Some of the questions we ask will include the following:

  • Are you completely reliant on your salary to support yourself and any dependents?
  • How long will your employer pay your salary if you are off work due to serious illness?
  • Do you have any savings to live off should you be unable to work due to serious illness?

A policy summary will outline serious illnesses covered under critical illness cover. An example of the diseases covered are:

  • Pulmonary artery surgery
  • Liver failure
  • Stroke
  • Heart Attack
  • Parkinson’s disease
  • Creutzfeldt-Jakob disease
  • Traumatic brain injury
  • Multiple system atrophy
  • Benign spinal cord tumour

Income Protection Cover for Commercial Pilots

Income protection provides an ongoing salary should you be unable to work through injury or illness for a sustained period but expect to make a full recovery.

Paying regular premiums provides this protection. The policy will pay out once a pre-defined period has passed. Depending on your situation, this period could be as little as one month to one year.

To accurately assess the correct level of cover, we will need to understand your current financial circumstances, including:

  • Personal loans
  • Credit card debt
  • Outstanding mortgage
  • Monthly outgoings
  • Gross income

Rest assured; Insurance Hero will work with you in an unobtrusive and friendly manner; to get the information we need for our underwriters to provide an accurate quote.

Insurance Hero can provide a free, no-obligation quote for critical illness cover for Commercial Pilots. Contact our friendly, professional team now on 0203 129 88 66 and provide peace of mind for you and your dependents.