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Life Insurance for Pilots

Take to the skies with our dedicated aviation life insurance policies.

We’ve been supporting airline pilots for over twenty years. Whether you are a commercial pilot or you fly light planes as a hobby, our experienced life insurance specialists won’t wing it. Instead, we’ll take the time to find a policy for you that is plane and simple.

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Why choose
The Insurance Surgery

  • Voted Best life and protection broker 2022
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  • Access to high street and independent insurers
  • 20 years’ experience & price match promise

Fly high with our aviation insurance

One of the best ways to protect your family is with life insurance. Knowing that your family will have money even if the worst happens will give you peace of mind.

If you are a pilot, you might be looking for a specific aviation life insurance policy. Pilots have been coming to us for life insurance for over twenty years because we know how to find the best policies that offer the most protection for the least amount of money.

Life insurance policies for pilots shouldn’t cost a lot. After all, flying is proven to be a low-risk activity, with very few incidents. But there are many different types of pilot licences, and if your insurance company doesn’t understand what kind of flying you do, you might pay too much for a policy.

We can help with that.

We are experts at matching people to the right insurance company.

We help private and commercial pilots find good life insurance plans that will give them long-term peace of mind that their loved ones will be cared for.

Life Insurance for Pilots

Should pilots take out life insurance?

If you’re working as an airline pilot or you have a private pilot’s licence, we think you should take out a life insurance policy.

Not because you’re more likely to pass away than anyone else.

But we think that everyone should take as many precautions as they can.

In the past, life insurance providers may have hesitated to cover pilots. That’s because they might not have known how dangerous flying really is. Fortunately, aviation safety has improved a lot, and flying is seen as a safe job, so aviation life insurance policies are affordable.

But looking for a pilot’s insurance policy online could cost you more money than you need to spend.

That’s because online comparison sites don’t know the differences between different types of pilot licences, and their algorithms don’t take into account how much time you spend in the air.

But we will.

When you book a call with one of our life insurance experts, we’ll learn more about your flying experience and what kind of planes you fly.

We’ll ask you some easy questions, such as:

  • What kind of plane do you fly?
  • Do you fly on your own or for a company?
  • How long have you had your licence to fly?
  • How many hours of flight per year?
  • What kind of licence do you have to fly?
  • What countries do you go to when you fly across the world?

With this information, we can find out more about who you are. It means that we can find the right policy for you based on how much flying experience you have. This makes sure that you don’t pay more for your pilot’s life insurance policy than you need to.

What does pilot’s life insurance cover?

A pilot’s life insurance policy is the same as any other standard policy.

It will give you a tax-free lump sum if you were to pass away or are diagnosed with a terminal illness.

There are two types of life insurance policies: those with level cover and those with decreasing cover.

With level cover, you get a lump sum if you die during the policy’s term. Your level of protection will never change.

With decreasing cover life insurance, the amount of coverage goes down each year. People often use these policies to cover their mortgage payments when the amount they owe on the loan goes down over time.

We don’t expect you to know which is right for you.

Each type of life insurance has its own set of benefits. We will always take the time to talk with you about your options and what it would mean for your family if they ever had to file a claim.

We can talk about what aviation life insurance means for you, no matter what your situation is.

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Should pilots take out critical illness insurance?

Critical illness insurance policies offer protection should you be diagnosed with many critical illnesses, including

  • Cancer
  • Diabetes
  • Heart Attacks
  • Kidney or Liver failure
  • Multiple Sclerosis
  • Organ Transplant
  • Stroke

Pilots don’t have a higher chance of getting sick than anyone else, so it’s likely that you’ll be approved for critical illness insurance without any problems or extra costs.

If you got sick and couldn’t work, your critical illness plan would give you a lump sum. You could put that money toward your mortgage, rent, living expenses, or a much-needed holiday to help you feel better.

At The Insurance Surgery, our expert advisors have helped set up life insurance plans and critical illness policies for thousands of commercial airline pilots and private pilots like you. During our first meeting, we’ll talk to you to find out what kind of protection you already have, and we’ll go over different possible situations so you can be sure you’re getting the right protection for your needs.

We know you won’t find a better aviation insurance policy anywhere else, plane and simple.

Why choose us to find your pilot’s life insurance policy?

Our reputation is why private and professional pilots choose The Insurance Surgery for their aviation life insurance.

We have helped many pilots flying light aircraft get life insurance with maximum coverage and low premiums.

From the moment you look for a policy to when you or your family need to make a claim, we will be here to support you and make the whole process as easy as possible.

Choosing the right life insurance policy isn’t just about finding the cheapest premium (although you won’t find anything more affordable, thanks to our price promise). Instead, you need to find an insurance company that will look out for your best interests.

You deserve an aviation life insurance provider with a history of paying out claims quickly and willing to cover you, whatever your hobbies or medical history.

  • We have excellent relationships with insurance providers all over the UK.
  • We’ll only recommend an insurance company we know will do what’s best for you.
  • We’ll explain any policy language and make sure you understand how your life insurance policy will protect you and your loved ones.
  • We’ll help you find an insurance policy that pays out how you want.
  • When the time comes, we’ll help your family find the proper paperwork and, if necessary, help you file a claim.

Income Protection for Pilots

Income protection for Pilots

It’s a dream come true for many people to work as a pilot.

After all, who wouldn’t want the skies to be their office every day?

In the United Kingdom, the national average salary for an Airline Pilot is £81,666 per year. However, depending on your pilot licence type, you may have opportunities to increase your earnings.

But if you become poorly or injured and cannot fly, can you cope financially? Many of us may rely on statutory sick pay entitlement or turn to our savings to see us through in the short term, but what would you do if you lost your wings indefinitely?

Our pilot’s income protection insurance policies are made to give you peace of mind that your finances will be taken care of in the worst-case scenario.

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How does income protection for pilots work?

Aviation income protection plans will cover you for a wide range of mental and physical illnesses. So if you get hurt and can’t work because of it, it will give you time to get better.

Your pilot’s income protection policy will usually cover 50–70% of your monthly income. This will give you a financial cushion and much-needed breathing room to pay your bills and other living costs.

If your health keeps you from working, your policy will pay out until you can return to work. If you lose your wings indefinitely, your salary protection insurance could keep paying you each month until you’re old enough to retire.

On the other hand, it will pay out until the end of your policy’s term.

When you buy an income insurance policy from us, one of our helpful advisors will go over all the policy details with you to make sure you have the right amount of protection. In addition, we’ll talk about your current expenses and how much money you need to cope with your living costs.

We don’t want you to need to use your insurance to protect your income.

We want you to fly high for the rest of your career; salary protection will help you do that.

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Frequently Asked Questions

We answer your most frequently asked questions.

Flying is no longer seen as a dangerous job because safety has gotten better, and technology has gotten better.

In the past, insurance companies were hesitant to give pilots life insurance policies, but now most pilots can get standard policies with few exceptions.

When you fly an aeroplane, there are some things that could go wrong. Flying might not be as safe as playing a video game or watching a movie, but with the right training, it can be as safe as driving a car.

When you fly an aeroplane, there are some things that could go wrong. Flying might not be as safe as playing a video game or watching a movie, but with the right training, it can be as safe as driving a car.

Aviation can seem hard because you have to go to flight school and get a licence, but once you get the hang of things, flying is much more relaxing.

The more hours you fly, the safer you’ll be as a pilot because you’ll have more experience.

Yes pilots can get life insurance. They have the same amount of risk as any other job.

But to find the right level of insurance, it’s important to talk to an insurance broker. You could end up paying a lot more than you need to for a pilot life insurance policy because there are so many kinds of pilot licence and plane types. Instead of using an online comparison site, why not talk to one of our experienced team members who can learn about your own flying experience? So, you can get a life insurance plan that is made just for you.

The average salary for a pilot in the UK is currently £81,666 per year. This depends on your flight experience, what type of licence you hold, the kind of plane you fly and the company that you work for. Pilots flying on commercial airlines will have more earning opportunities than private pilots.

Different insurance companies have their own strengths, and the company that is best for one pilot may not be the best for another.

When looking for a life insurance company for pilots, there are many things to think about:

  • How much are the monthly payments?
  • What kinds of cover are there?
  • How easy is it to fill out the form?
  • Does that company have human underwriters, or does it use a computer programme?
  • How well have they paid out claims in the past?
  • How long does it usually take for them to process a claim?
  • How open is the policy to change?
  • Are there any exceptions or costs that aren’t obvious?

Talk to one of our experienced life insurance specialists if you’re still not sure who to choose. We spend time getting to know you and what you need. This lets us match you up with the best insurance company for your needs.

Pilots life insurance doesn’t need to be expensive, but it does need to be comprehensive.

Being a pilot isn’t a reason for high premiums as it is not considered a risk occupation. Your pilot life insurance costs will depend on your own medical background as well as your family history.

Being an airline pilot can be incredibly stressful because of all the work, responsibilities, and safety of the thousands of people they fly around the world. Long-term stress can hurt a person’s health, performance at work, and mental abilities.

So, you should think about getting an income protection insurance plan that will pay out if your physical or mental health keeps you from working.

Flying is a safe way to travel. There were 34 aeroplane accidents in 2022, and 7 of them were fatal. 179 people died as a result.

In the year ending June 2022, on the other hand, road accidents killed 1,760 people and hurt 137,013 in the UK.

Of course this could be because Brits drive more than they fly. But the aviation safety records show that flying is a very safe way to get around because all parts of airline safety are closely watched.

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