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AIRLINE PILOTS<br>Life Insurance Experts

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Airline pilot life insurance

Getting life insurance will give you peace of mind that your family is covered should anything happen to you.

Some occupations require a slightly different approach because of the nature of the work and the perceived risks. Airline pilots are not necessarily seen as higher risk by all insurers but there are some other elements to consider.

Getting the best and the cheapest life cover for an airline pilot can be fairly simple as long as you apply to the right company.

According to statistics, there are approximately 1.5 to 2.3 million pilots in the world currently. The British Airline Pilots Association (BALPA) represents over 10,000 pilots in the UK which is over 85% of all commercial pilots in the country.

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Here are some of the answers to the most common questions that we get asked about airline pilots life insurance.

Does life insurance payout for airline pilots?

Yes – if you die at work or outside of work then your life insurance should pay out a lump sum to your family.

A life insurance policy is designed to pay out a tax-free cash benefit to your loved ones should the worst happen. There are many reasons why an airline pilot would want a life insurance policy.

The most common reasons for taking out a life insurance policy are:

  • Family protection (for your children or dependent parents)
  • Mortgage protection
  • Whole of Life (Tax planning)

The occupational risks of death for airline pilots is very low so there are no issues from a life insurance perspective.

Is critical illness cover different for airline pilots?

There are usually no additional risks of critical illness for airline pilots so you should not have any differences between your policy and a standard policy.

Most critical illness policies are designed to pay out on diagnosis of a prescribed serious illness, such as:

Your critical illness cover policy will pay out a cash lump sum to you if you become seriously ill from one of the definitions covered on your plan. You can use the benefit from your claim for any reason, and the most common uses while you are unable to work are:

  • Mortgage payments or clear mortgage
  • Rent payments
  • Utilities
  • School fees
  • Other bills or debts

Airline pilots should not be at higher risk of critical illness from their occupation so should be classed as standard risk.

About life insurance for airline pilots

If you are already working as an airline pilot you’ll usually need to disclose that on your life insurance application.

Here we explain how that works and how to get the best coverage with the answers to the most common questions.

Can airline pilots get life insurance?

Yes – as you will know, there are only a very small percentage of air disasters and the risks for airline pilots is very low.

You will be asked a number of questions about your job and your flying activities so that underwriters can review your application. There are some potential additional risks for pilots if you take part in other activities, such as:

  • Light aircraft
  • Helicopter flight
  • Glider flight
  • Private pilot
  • Flying instructor

It is fairly common for airline pilots to take part in other types of aviation activities which aren’t always an issue either.

The only other thing to consider is if you have been diagnosed with a pre-existing medical condition. This could also have an impact on whether you are able to get life insurance at the right price.

Can trainee pilots get life insurance?

You might also be in the process of becoming an airline pilot through the rigorous qualification process that can take several years. As you proceed through your training and various qualifications, you will also be able to get life insurance cover.

The average period of time to become qualified as an airline pilot is several years and involves flying light aircraft.

As you go through this process, you may be classed as a slightly higher risk than when you become fully qualified.

Best life insurance for airline pilots

There are many different options for life insurance for airline pilots so it can be confusing to find the best policy for you.

Some of the most common options will give you cover to protect your family and your home should anything happen to you. If you have dependents and a mortgage then you should definitely consider life insurance to protect them.

Family protection for airline pilots gives you a level amount of cover to protect your children and your partner over a period of time (term). You should consider how much your family would need so that they can continue to live comfortably if you weren’t around to support them.

Mortgage protection for airline pilots is a decreasing policy that is designed to protect the reducing amount outstanding on your mortgage (capital & repayment). Should anything happen to you then your mortgage would be cleared and your family would no longer have that debt against the family home.

Whole of life for airline pilots is designed to pay out a guaranteed lump sum to your family when you die that can be used for things like inheritance tax liability.

Can airline pilots get critical illness cover?

Yes – you should have no issues getting critical illness cover if you are an airline pilot.

Most of the top life insurance companies will offer critical illness cover to airline pilots with no extra medical or financial requirements. This type of policy is purely designed to pay out a tax-free lump sum if you become seriously ill.

There is no extra risks of serious illness linked to commercial aviation so this is not an issue for you.

Cheap life insurance for airline pilots

You can also save money on your monthly life insurance premiums by following a few simple steps.

The best ways to cut the cost of life insurance are:

  • Speak to an expert: a specialist company with relative expertise in getting life cover for airline pilots will be able to save you money. They should instantly know which insurers are best for your occupation and activities.
  • Airline pilot insurers: there are some insurers that are better than others when dealing with applications for life insurance for airline pilots. You can save a considerable amount of money by applying to the right provider.
  • Smoking: if you smoke then you will be charged more than a non-smoker for life insurance cover. You could save money by reviewing your life insurance after you stop smoking, even if it is several years later.
  • Lifestyle & diet: there are some lifestyle factors that can have an impact on life insurance premiums, such as alcohol, BMI, and drug use. If you have had issues in the past then you might be able to reduce your premiums after reducing any of these things.

Other aviation activities

Here are some of the other aviation-based activities that we can help you with when considering life insurance:

  • Commercial pilot
  • Flying instructor
  • Glider flight
  • Helicopter pilot
  • Private pilot
  • Paragliding
  • Sky diving

Common questions about airline pilots

Here are some of the most common questions that people ask about the occupation of being an airline pilot.

How much do airline pilots earn?
There are two main levels for airline pilots which are First Officer and Captain that are based on your flying experience or flight time. The average salary for a First Officer in the UK is between £36,000 and £48,000 currently. Salaries for a Captain in the UK generally start from between £54,000 and £75,000 with most medium-sized operators. Some pilots who are already employed with larger airlines will earn between £97,000 and £140,000 or more, depending on the airline and flight times (e.g. short-haul or long-haul).

Is being an airline pilot a difficult job?
It takes years of dedication to earn your qualifications to become an airline pilot. The process of gaining your qualifications includes years of study, training, and hundreds of flying hours in different types of aircraft. The job of being a commercial pilot can be extremely rewarding but also very stressful and frantic, as the demands are high.

Do airline pilots have a shorter life expectancy?
There are many studies and debates around whether pilots have a shorter life expectancy because of their occupation. According to a study in the U.S., the average life expectancy is 70 for males and 75 for females, while this drops to 67 for pilots. The contributing factors include mental health as well as an increased risk of skin cancer due to UV radiation.

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