Pilot (Commercial) Life Insurance Cover

Private Pilots life insurance, critical illness cover and income protection experts

Our team of top extreme sports and hazardous hobbies experts at Sports Financial specialise in helping higher risk people to find cover such as private pilots and light aviation life insurance, critical illness cover and income protection. Sports financial has helped lots of people who are classed as high risk because of the sport or hobby that they do to find life insurance and other types of personal cover to protect themselves, their family and their homes. Life insurance for private pilots will usually require some additional underwriting depending on a number of variables so it is important to speak to an experts who knows which insurers are best for you.

Life insurance, critical illness cover and income protection are the main types of personal cover which are designed to provide peace of mind for you and your family in the event of anything happening to you. Our team of specialists have the experience and expertise to help you to find the right policy and ultimately we aim to save you money on your premiums.

Private pilots and light aviation life insurance

Due to the increased risks when taking part in any form of aviation activity there may be additional underwriting requirements for private pilots life insurance. The general rule for private pilots and light aviation activities with life insurance is that cover is usually available at standard rates with no restrictions for recreational and infrequent flying. Private pilots life insurance underwriting will require for you to disclose additional information regarding your disclosure, such as:

-    Type of aircraft
-    License you hold
-    Hours of flying (per annum)
-    Countries you fly to or in

Most life insurance applications for private pilots will be underwritten and accepted with no special terms, unless there is something more hazardous about your activity. Helicopter pilots looking for life insurance may find that cover is slightly more restrictive as helicopters are viewed as more dangerous than planes.

If you have been declined or accepted on special terms for private pilots and light aviation life insurance in the past, then you should speak to one of our expert advisers. Sports Financial has helped thousands of people with hazardous hobbies such as private pilots looking for life insurance to get the cover that they need to protect their loved ones.

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Private pilots and light aviation critical illness cover

Critical illness cover for private pilots is also usually available on the mainstream life insurance market and often will be offered with no exclusions at normal rates. Private pilots are generally not viewed as an increased risk for critical illness cover by most insurance underwriters as there is not generally any additional serious illness risks relating to aviation activities.

As with all other applications for critical illness cover, private pilots will be assessed based on their own medical history and any other issues of family history for example. Private pilots critical illness cover will be based on your age, amount of cover you require, policy term and smoker status.

As with a lot of the hazardous hobbies and extreme sports that we deal with, TPD or Total and Permanent Disablement may be excluded from critical illness cover for private pilots. If you require further information, a quote or advice then please do not hesitate to contact our team of private pilot critical illness cover experts.

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Private pilots and light aviation income protection

Income protection for private pilots is possible and it is not as difficult to get cover as commercial pilots as the risks are not specifically job related. There are certain potential underwriting issues with private pilots income protection so there could be some restrictions placed on cover.

For private pilots and light aviation income protection it is better to speak to an experienced adviser who can help you to identify the best providers and top levels of cover.

If you are a private pilot looking for life insurance, critical illness cover or income protection then you should speak to one of our team of experts who will help you to get the right cover and save you money.

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Private Medical  Cover

Cover to help  you directly access medical help and advice.

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Contact us today to discuss your personal needs

  • Cover for private and commercial pilots – contact us today to discover the range of options we can offer you
  • Cover for your lifestyle – wherever your occupation or recreation takes you we source the right cover for you
  • Special understanding – because we specialise in hazardous and risky occupations and sports we have built long lasting links with specialist underwriters to obtain the right cover for you
  • Personal service – you will receive a quick response from a personal adviser
  • Peace of mind – we operate to professional standards and are authorised by the Financial Conduct Authority (FCA)
  • Easy application – we have placed people on cover within a couple of hours
  • Specialist sports and occupational knowledge – with almost two decades of experience you can trust us to understand your needs
Because we are not tied to one insurance supplier our bespoke service allows us to compare different options and provide the right policy to suit your needs. Whether you are looking for personal financial security or to provide for your loved ones then we are here to help.

Contact us today to obtain your personal quote

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Further useful information

Critcial Illness Cover vs Income Protection Protecting your finances through ill health

Terminal Illness or Critical Illness Cover? Are they the same? What is the difference between the two?

Life Insurance - 6 top tips to save you money & improve cover

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