Flying Instructors well known as ‘Pilots’ are those who can undertake a wide range of flying lessons or activities. Many Flying Instructors may find Life Insurance at more or less normal terms from selected insurance providers. Some types of Flying Instructors may find premiums increased or be declined for cover and these includes-
- Pilots flying over water or in remote or mountainous or other unsafe areas or abroad
- Certain specific types of flying (helicopter, military etc)
- The types of aircraft flow can also affect risk and any ancillary test or experimental flying
While applying you must disclose clearly if any part of your duties involves higher risk types of flying.
Securing Life Insurance as a Flying Instructor:
Being a Flying Instructor will not have a huge impact on a Life Insurance application that you place. We are usually able to secure standard terms for Flying Instructor Life Insurance, provided you do not have a significant medical history or regularly travel to unsafe countries. The amount of your premiums for Flying Instructor life insurance will depend on your type of aviation and the risk involved in it. When applying for Life Insurance for Flying Instructor the insurers you apply will likely to ask you certain questions and these include:
- What type of aviation?
- What is your medical history?
- How many private pilot hours have you logged?
- Do you work with helicopters?
So long as you do not get involved in excessive private aviation too then a lot of insurance providers should offer you cover at normal terms.
In case you work as a flying instructor in helicopters please be aware that your application may be processed differently to that of an aeroplane pilot. Insurers consider flying instructors for military and helicopters as more unsafe than aeroplane travel. If any of your activity as a flying instructor is considered higher risk, your cost for flying instructor life insurance may be increased to offset the risk imposed. Underwriting criteria for flying instructor life insurance varies for every insurance company so it’s important to remember that you may obtain flying instructor life insurance somewhere else if you have been declined previously.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00