Pilot Life Insurance: Aviation Details and Policy Exclusions

Aviation underwriting can depend on professional or recreational flying, aircraft type, duties and experience. A premium example for one pilot cannot establish the price or terms for another.

Information about the role

Explain commercial and private flying, hours and experience, aircraft, routes or countries and any instructional, aerobatic or other specialist activity when asked. A life policy, loss-of-licence cover and income protection are distinct products.

Employer or business protection

Check whether employer protection applies to all relevant flying, how long it lasts and who receives any benefit. Ask about aviation exclusions and disclose recreational flying even if the main occupation has already been described.

Match personal cover to the household

Add outstanding borrowing and the family support needed over time, then allow for existing policies, accessible savings and reliable employer benefits. Include the cost of replacing unpaid childcare or caring work. Consider affordability and how long the need will last, rather than assuming a salary multiple suits everyone.

What a quotation can and cannot tell you

An initial online quote is subject to underwriting. The insurer may request more information, change the premium or terms, postpone a decision or decline. Answer questions about health, medication, nicotine, occupation and activities accurately, including existing and pending cover when asked. Do not cancel an existing policy until any appropriate replacement is confirmed in force.

Other products to consider

Life insurance provides a benefit on an insured death. Critical illness cover and income protection have different triggers and limitations. Check income protection and critical illness cover if illness during working life is also a concern.

Preparing to compare

Use our cover amount guide and our underwriting hub. Keep the same amount, term and benefit basis between quotes and check any final occupational terms.

Compare your options

You can compare life insurance quotes online and ask our advisers for help with the next step. Initial quotations are subject to the insurer assessing the application. Cover begins only when the insurer confirms the policy is in force; completing a form or receiving a quote does not start cover.

Updated October 2026. General information, not a personal recommendation or a quotation. Eligibility, exclusions, premiums and tax treatment depend on the policy and individual circumstances. Discount Life Cover is a trading style of My Key Finance Ltd, authorised and regulated by the FCA, FRN 628996.

Further information: MoneyHelper: life insurance.