How to Buy Affordable Life Insurance if You Are a Recreational or Student Pilot

Recreational flying is a thrill enjoyed by tens of thousands of non-commercial pilots around the nation. However, these pilots are also husbands, wives, parents, and business partners to people who rely upon them daily, back on the ground, and there may be a strong need for pilot life insurance to protect those colleagues and loved ones. Despite today’s advances in aviation technology, recreational and student pilots face unique challenges and may face exclusions when it comes to buying life insurance. The risk involved in flying can make it more difficult to find affordable coverage. However, with the right information and access, it’s still possible to find a policy that fits your needs and budget.

When applying for life insurance as a recreational or student pilot, the insurance company will likely ask about your flying experience, the type of aircraft you fly, and your flight hours. They will also ask about your age, overall health, and lifestyle habits. Fewer hours can mean higher rates, especially with certain life insurance companies. 

Since accumulating flying hours takes months, even years, the reality is that your life insurance needs most likely won’t be able to wait until every insurance company deems your flying to be less risky. Therefore it’s so important to be a wise consumer and figure out which insurance companies may be more lenient with pilots and focus your applications on them. Only PolicyConnection has the proprietary UnderRight™ database that tracks how insurance companies approach flying, and scores their underwriting performance over thousands of real-life applications. This gives our team unparalleled clarity in making the best recommendation for your individual circumstances and needs. 

If you’re a pilot with other health or risk factors, one final option to consider is a guaranteed issue life insurance policy. These policies do not require a medical exam or ask about your health or risk history, but they tend to have higher premiums and lower death benefit ceilings than traditional policies. However, they can be a good option for those who may have difficulty getting approved for traditional policies. We’ll always work to get you a regular policy first before reviewing your guaranteed issue options. 

As a recreational or student pilot, you may face challenges when it comes to finding affordable life insurance. But by working with PolicyConnection and our unique resources, you can find a policy that fits your needs and budget.

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