Life Insurance for Pilots

Is Affordable Life Insurance for Pilots available?

Life insurance for pilots is affordable and does not have to be difficult to find if you know the carriers that underwrite these risks.

This article will give you information on what underwriting questions companies need answered how they typically rate coverage for pilots.

The bottom line is, some life insurance companies simply underwrite private pilots more favorable than others. It pays to use an expert agent who knows the carriers that will offer the lowest rates.

Information needed to underwrite pilots

  • Have you ever flown as a pilot or crew member, or do you intend to do so?
  • What type of license or certificate do you hold?
  • Date of issue? If expired, give date. Do you intend to renew?
  • Do you intend to qualify for a higher grade certificate?
  • Do you hold a current FAA medical certificate? Date last renewed? If expired, do you intend to renew?

Schedule of flying time as pilot, co-pilot?Life Insurance for pilots

Commercial passenger airline– Contemplated next 12 months? Past 12 months? One to two years ago?

Employer owned aircraft– Contemplated next 12 months? Past 12 months? One to two years ago?

Crop Dusting or aerial spraying- Contemplated next 12 months? Past 12 months? One to two years ago?

Student Instruction– Contemplated next 12 months? Past 12 months? One to two years ago?

Freight carrying or non-scheduled passenger service– Contemplated next 12 months? Past 12 months? One to two years ago?

Military– Contemplated next 12 months? Past 12 months? One to two years ago?

Non-commercial pleasure– Contemplated next 12 months? Past 12 months? One to two years ago?

Personal Business Transportation– Contemplated next 12 months? Past 12 months? One to two years ago?

Instruction as student– Contemplated next 12 months? Past 12 months? One to two years ago?

In addition to the information above it is also important to know the following:

  1. Total number of hours flown as a pilot
  2. Have you flown, or do you intend to fly a prototype, experimental, or home built aircraft?
  3. Do you or have you ever participated in aerobatics, air racing, or stunt flying?
  4. Do you contemplate any of flying not indicated in the above answers? If yes, please explain.
  5. Have you ever had an aircraft accident or been grounded, fined or reprimanded for violation?

Other important underwriting information

When underwriting a life insurance policy for a pilot it is of course important to get the details on the flying history. But, it is also important to find out details of the pilots health and medical history.

Some of the information that will be needed include:

  • Date if birth
  • Height/weight
  • Any history of tobacco use
  • Any family history of cancer of heart disease resulting in death before age 60
  • Any history of cancer, diabetes, heart disease, sleep apnea or other medical condition
  • Currently taking any prescription drugs
  • Any history of alcohol or drug abuse
  • Any plans for foreign travel
  • How much coverage and what plan of protection are you looking to obtain?

Carriers specializing in underwriting pilots

Some of the life insurance carriers that specialize in underwrite pilots include:

  • Protective Life
  • John Hancock Life
  • Prudential
  • American General Life
  • Banner Life
  • Lincoln Financial
  • Principal National Life

Each life insurance carrier will look at and evaluate your lifestyle and medical history differently. This is why it is important to use an independent agency that offers multiple carriers.


If you are a pilot looking for life insurance coverage, please contact us by phone at 678-207-8160  or e-mail the agency owner at for a free evaluation of your coverage needs.




For a FREE quote

Call, text, email or fill out our instant quote form:

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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

We work with individuals across the nation to secure the best life insurance rates.

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