Private pilots have special challenges when purchasing life insurance. The fact is that most life insurance companies and agents don't understand the actual risks involved in aviation and are unable to find pilots the most cost-effective coverage. This causes private pilots to either pay too much for their term life insurance or to accept the only offer they find. Like any purchase shopping and finding the right life insurance agent is the key. Just like if you had medical issues you need to find an agent knowledgeable with your situation and willing to work to find the best rates.

Commercial pilots are treated like any health risk in the life insurance industry. Private pilots are not. Most life insurance companies charge extra premium if you are a private pilot or even exclude aviation coverage. Although, there are a select few that do not.

The main factors looked at are:

1. IFR
2. VFR
3. Total hours solo
4. Annual hours
5. What type of aircraft
6. Medical factors and more.

We know that AOPA offers competitive rates for private pilots. But with that being said, there are private insurers that are A rated that are more competitive in cost. Make sure your agent knows what carriers specialize in private pilots to ensure economic value. At Daniel Insurance Agency we can help you lower your life insurance rates and make sure you and your family are protected. We work with a large number of pilots and understand how to get the best life insurance rates for private and commercial pilots.

www.danielagency.com