Life Insurance for Pilots
Life insurance for pilots is easier to obtain than most people believe. Most life insurance companies are willing to provide pilot life insurance. Life insurance rates for pilots may be comparable or only slightly higher than average. However, some pilots may need to pay a flat extra on top of their base rates.
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UPDATED: Jul 16, 2021
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- Pilots, in most cases, should be able to purchase life insurance
- Life insurance rates for pilots should be comparable or only slightly higher than average rates
- Some pilots may have to pay a flat extra on top of their base rates
- Most life insurance companies will offer rates ranging between the Standard Plus and Preferred Plus classifications
If you’re wondering about life insurance for pilots, you may be surprised to find that it is easier to obtain than most people believe.
Many insurance companies are willing to offer life insurance to pilots and student pilots. However, rates may be slightly higher than for the average person.
Enter your ZIP code into our free quote comparison tool to compare life insurance rates and buy pilot life insurance.
Can I get life insurance for pilots?
In 2019, there were over 127,000 commercial and airline pilots in the U.S. In most cases, being a pilot won’t disqualify you for life insurance.
However, your rating classification will be determined based on whether you fly for fun or work. It can also depend on your training level and type of training.
Each life insurance company will have different occupational guidelines and underwriting processes.
You may be asked to identify your level of training, flying frequency, instruments you have a license for, the type of aircraft you fly, and the purpose of flying.
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How much is pilot life insurance?
First, let’s look at some sample life insurance rates:
|Age, Gender, and Marital Status||New York Life Average Annual Rates||Lincoln National Average Annual Rates||Prudential Financial Average Annual Rates||MassMutual Average Annual Rates||Aegon/Transamerica Average Annual Rates||John Hancock Average Annual Rates||State Farm Average Annual Rates||Average Average Annual Rates|
|Single 25-Year-Old Female||$158.00||$187.00||$195.00||$132.00||$164.00||$172.50||$143.00||$144.07|
|Single 25-Year-Old Male||$152.00||$231.00||$237.00||$147.00||$176.00||$178.30||$164.00||$160.19|
|Married 45-Year-Old Female||$262.00||$239.00||$314.00||$209.00||$229.00||$241.50||$238.00||$213.50|
|Married 45-Year-Old Male||$245.00||$283.00||$378.00||$230.00||$255.00||$292.10||$239.00||$240.44|
|Single 65-Year-Old Female||$924.00||$903.00||$941.00||$763.00||$1,139.00||$937.30||$684.00||$801.04|
|Single 65-Year-Old Male||$1,416.00||$1,577.00||$1,412.00||$1,049.00||$1,367.00||$1,380.00||$955.00||$1,171.57|
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Depending on their rating, airline pilot life insurance rates are likely to be comparable or only slightly higher than average.
However, some pilots may have to pay a flat extra, which is a fixed fee per $1,000 of coverage. For example, pilots may have to pay $2 to $3 per $1,000 in coverage on top of their base rate.
Other life insurance companies may have an aviation exclusion rider, meaning your beneficiaries will not receive the death benefit from your policy if you die in a flying accident.
Where can I get affordable life insurance for pilots?
Most life insurance companies will provide life insurance for pilots. However, there are also some pilot life insurance companies that specialize in pilot insurance.
The main difference between each life insurance company will be how they classify you based on your flying activity. Most of them, including AIG life insurance, Banner Life, Pacific Life, Prudential life insurance, and Transamerica, will offer ratings from Standard Plus to Preferred Plus.
If you’re looking for pilot life insurance quotes, enter your ZIP code below to find life insurance companies near you.