Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 18, 2021

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The Brief

  • Life insurance for pilots has traditionally fallen into a high-risk category
  • With improved safety in air travel, pilot life insurance has become more affordable
  • Stay in good health, maintain your certifications, and join a pilot association to help lower your rates

Being a pilot comes with its perks. Good job stability, world travel, decent pay. But did you know that being a pilot can also affect your life insurance rates?

There are many different factors that determine your life insurance rate such as age, medical history, and occupation. All of these factors determine your life insurance risk class, which in turn determines your rate.

Life insurance for pilots has historically fallen into a higher risk class, but with new technology that has made flying safer, those rates have started to drop.

Keep reading to learn about life insurance for pilots, how the underwriting process works, and how you can save. But before you do, enter your ZIP code into our free comparison tool to find affordable life insurance for pilots from providers in your area.

What is life insurance for pilots?

As recently as twenty years ago, many life insurance providers would have refused to insure a pilot for life insurance because of the high risks associated with flying.

Life insurance companies would typically lump all pilots into the same high-risk category regardless of their level of experience or the safety features of the type of plane they flew.

Now, as technology has improved air travel and made flying safer for pilots and passengers overall, life insurance companies recognize that flying is no longer as high risk of an activity as it once was, and as a result, rates for pilot life insurance have dropped.

In fact, a National Traffic Safety Board study determined that the odds of dying in a plane crash are one in 29.4 million.

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What is the underwriting process for pilot life insurance?

When you apply for life insurance as a pilot, there are several questions you may be asked during the life insurance underwriting process.

Your answers will help the life insurance provider determine how much of a risk you pose to the company and adjust your life insurance rates accordingly. Questions you may be asked might include:

  • What type of aircraft do you usually fly?
  • Are you a private pilot, airline pilot, or student pilot?
  • What kind of certifications or licenses do you have?
  • How many years have you been flying?
  • How many hours do you fly per month? Per year?
  • Have you experienced any accidents while flying?

Know that life insurance companies will view private pilots differently than airline pilots. Private pilot insurance may have a higher rate because you may not fly as often or have as much experience.

On the other hand, airline pilot life insurance may have a lower rate because you fly more often and have more experience. However, flying more often can you put you at a higher risk for an accident, so you never can know for sure. Every situation is different.

How can you save on pilot insurance?

There are many ways you can save on life insurance for pilots.

One of the best ways is to get Instrument Flight Rules certified. This certification tells your insurance provider that you have a strong working knowledge of flying rules and safety protocols, putting you in a lower risk category.

Also, simply taking care of your health will help you save on pilot insurance. Pilots generally have better health on average, so cutting out the smoking and drinking while staying in shape will help lower your rates even further.

Also, look for group life insurance from pilot associations. Members typically enjoy lower life insurance rates as part of the group life insurance policy since premium costs are spread out across the group.

And finally, the best way to save on pilot life insurance is to compare rates from top companies. Enter your ZIP code into our free comparison tool below to find affordable life insurance for pilots from providers in your area.