Flying Instructor life insurance, critical illness cover and income protection
The Insurance Surgery specialises in helping people with dangerous or high risk jobs and extreme sports to find cover which includes Flying Instructor life insurance, critical illness cover and income protection. There can be considerable differences between terms for Flying Instructor life insurance, critical illness cover and income protection depending on whether you are a commercial pilot or if you are a private flying instructor. There are also some potential higher risk elements to Flying Instructor life insurance, critical illness cover and income protection which is specifically for helicopter pilots who appear to be more specialist in terms of life cover. If you need a Flying Instructor life insurance, critical illness cover and income protection policy to protect your children and family then you should speak to an expert such as The Insurance Surgery for more information.
How Flying Instructor Life Insurance, critical illness cover and income protection works:
There are a number of key considerations when looking for Flying Instructor life insurance, critical illness cover and income protection which will be based on several criteria that underwriters will assess from your application. The main criteria for Flying Instructor life insurance, critical illness cover and income protection includes:
- Are you a commercial, private or helicopter pilot
- Which type of aircraft do you fly
- How often do you fly and to which locations
- What pilots qualifications do you hold
In most cases it can be quite simple to get Flying Instructor life insurance, critical illness cover and income protection depending on how frequently you fly and whether you are a commercial or private pilot. You may even find that you are able to get a Flying Instructor life insurance, critical illness cover and income protection policy at the same rates as someone who does not have a high risk occupation.
Some of the other main areas which will determine the premiums you will pay for Flying Instructor life insurance, critical illness cover and income protection are:
- How much cover you are looking for
- What term of life insurance you need
- Which type of life insurance cover want
Flying Instructor Life Insurance
You will also find that Flying Instructor life insurance, critical illness cover and income protection will vary from one insurance provider to another which will be based on their attitudes to risk as well as their own underwriting criteria. There are a number of potential underwriting outcomes when assessing an application for Flying Instructor life insurance, critical illness cover and income protection which can include:
- Standard rates
- Increase in premiums
- Benefit exclusions
- Policy exclusions
- Maximum sum assured or term
All applications for flying instructor life insurance, critical illness cover and income protection will be assessed in the same way based on your answers to questions set on your paper based on online application forms. Some insurance providers will ask for different information to others, however generally the information required will be very similar.
Other considerations for Flying Instructor life insurance, critical illness cover and income protection.
There are also a number of other main lifestyle factors which will be taken in to consideration when assessing an application for Flying Instructor life insurance, critical illness cover and income protection which are the same as any other life insurance application. Some of the usual standard lifestyle based criteria will be based on:
- Are you a smoker or have you smoked in the past 12 months
- How much alcohol do you drink in an average week
- Have you ever been advised to reduce alcohol intake
- What is your height and weight (Body Mass Index)
- Do you have any pre-existing medical conditions
Most of the usual top insurance providers will accept an application for Flying Instructor life insurance, critical illness cover and income protection off an application immediately unless you are applying for a large amount of cover or if you have disclosed something of concern of your application.
Generally it is easier to obtain a Flying Instructor life insurance, critical illness cover and income protection policy if you are a private pilot than if you are a commercial pilot as it tends to be far less frequent activities for private pilots. Obviously commercial pilots will be flying very regularly and you will be flying in aircraft that is higher risk.
If you are a helicopter pilot then you may find that your application could be subject to additional underwriting and you may be excluded for this type of activity. This is purely because Life insurance for helicopter pilots is considered to be higher risk than pilots who fly fixed wing aircraft based on statistical risk of accident.
If you need more help to find the most competitive premiums for Flying Instructor life insurance, critical illness cover and income protection then you should contact one of our team of insurance experts today on 0800 083 2829 for more information.
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