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.
