Pilot (Commercial) Life Insurance Cover

Commercial Pilot life insurance, critical illness cover and income protection

We are a leading insurance expert for people who take part in dangerous hobbies such as private pilots or people who have hazardous occupations including Commercial Pilot life insurance, critical illness cover and income protection. There is a distinct difference between private pilots looking for cover and commercial pilots wanting life insurance, critical illness cover or income protection which can cause you to pay different amounts for cover depending on what you are looking for. If you have children and family with a hazardous or dangerous occupation such as Commercial Pilot then you should consider life insurance, critical illness cover or income protection to protect them.

Some of the risk factors to be considered by underwriters when assessing an application for Commercial Pilot life insurance, critical illness cover and income protection are:

  • Level/type of pilot
  • Long haul or short haul
  • Type of aircraft
  • Time spent flying

The main differences from private pilots looking for cover and Commercial Pilot life insurance, critical illness cover and income protection is the fact that more time is spent flying and the type of aircraft.

Roles for Commercial Pilot:

  • First Officer
  • Captain
  • Commercial Instructor
  • Cargo/freight pilot
  • Helicopter

It can be simple to get Commercial Pilot life insurance, critical illness cover and income protection depending on the type and your medical history or health. All cover types are available for Commercial Pilots so speak to our experts today to get a competitive quote for cover to protect your loved ones.

Commercial Pilot life insurance

In most cases it is very possible to get a Commercial Pilot life insurance policy as long as your cover is within your insurers financial limits and there are no other medical or health issues. You should also be able to secure a Commercial Pilot life insurance at the same rates as someone who has no occupational risks so your premiums should not increase due to your job.

Some areas of your application which would be assessed by underwriters when applying for Commercial Pilot life insurance are:

  • What type of aircraft you fly (e.g. Helicopters)
  • Do you fly military aircraft
  • Which locations you fly to
  • Are you an instructor
  • Do you have any other health or medical issues

Some other main factors which would also determine the amount you will pay for Commercial Pilot life insurance are:

  • Amount of cover (£’s)
  • Term of cover (years)
  • Type of cover

If you need help to get a competitive quote for Commercial Pilot life insurance then you should contact one of our team of insurance experts on 0345 565 0935.

Commercial Pilot critical illness cover

It is very possible to get a Commercial Pilot critical illness cover policy and generally this can be a fairly simple process in most cases. You should be able to secure a Commercial Pilot critical illness cover at the same rate as someone who does not have a dangerous occupation due to the risks being low for this type of cover and occupation. There are certain potential issues which may cause possible issues when applying for Commercial Pilot critical illness cover which are similar to life insurance, such as flying helicopters which are considered to be higher risk.

You may find that in some cases where there are other health or medical issues that your premiums could increase to reflect the additional risks. There is also a possibility that Total and Permanent Disability cover could be excluded from an offer for Commercial Pilot critical illness cover.

Commercial Pilot income protection

It can be slightly more difficult to get a Commercial Pilot income protection policy based on the slightly stricter underwriting and your circumstances. Your health and medical status will have a big impact on the premiums you will pay as well as which type of income protection policy you are looking for. There are various different types of Commercial Pilot income protection policies available so it is important to make sure that you get the policy that fits your requirements.

Commercial Pilot life insurance, critical illness cover and income protection

For more help to get a competitive quote for Commercial Pilot life insurance, critical illness cover and income protection then you should contact one of our expert advisers today to find out more.

Contact us now for your life insurance quote or apply online

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