Persuasive Essay On How To Get Life Insurance Can I Get Life Insurance If I am a Pilot? Earning your pilot’s license is a thrilling experience. Some people decide to get their aviation license to help with a long commute or for agricultural reasons. Some have dreamed of flying since they were small children. And still others heed the call of aviation as a career. Regardless of the reason, most people that put the time, effort and money into obtaining their pilot’s license have spent many years dreaming of the day they will earn their wings.
Once they do begin flying on their own, however, the question of life insurance invariably comes up. Many pilots and would-be pilots wonder if the hobby or job they love will be considered too high risk for life insurance and if they can get insurance will it be affordable? The short answer for both commercial and private pilots is yes, you can almost certainly get life insurance at rates you can easily afford. As a pilot or potential pilot, it is important to do your homework when researching life insurance, and that is where we are able to help.
In most cases you are eligible for coverage but sometimes you can get a policy that you think is correct but actually does not cover you when you are flying. Do not let this happen to you or your loved ones. Commercial pilots are almost always considered low risk by insurance companies. This is simply because flying commercial airplanes is considered very safe. As an added bonus to insurers, commercial pilots have to have regular physicals and, therefore, are considered to be healthy overall. One area that might affect your ability to get the best rates is where you fly.
If you fly over certain terrains or fly from or land on non-licensed strips your rates could be higher than expected. If you are a commercial pilot in any circumstance, then we can help you get the best rates possible. When you apply for life insurance as either a commercial or a private recreational pilot you will be expected to fill out an additional aviation questionnaire. This will generally cover some basic questions like how long you have been flying, where you fly and for what purpose do you fly. Obviously, this helps assess the risk of insuring you.
Private recreational pilots will generally be able to get life insurance at the same rate as commercial pilots. Age and experience can affect this, however. If you are young and inexperienced your rates may be higher. A reputable flight school can sometimes lower your premiums. As with commercial pilots, the terrain you fly over can affect your rates. For example, flying over fields for crop dusting is not considered nearly as high risk as flying over mountainous terrain. Again, we can help you navigate the best rates for your circumstances.
As with anybody applying for life insurance, pilots should keep the following in mind: • Talk to your doctor Insurance companies want to insure people who are in the best health. Talk to your doctor about your health history and what you can do to stay healthy. It is also a good time to get a complete physical. •Your family history When determining your rates, your family history will play a role. Do your homework and be prepared to answer questions about your family health history. • Consider timing If you have just had major surgery or been diagnosed with a disease it might be better to give it some time before you purchase your insurance.
The same holds true for your pilot’s license. Sometimes waiting six months can dramatically affect your rates. Talk to us and let us work with you to establish the best timeline to suit your needs. • Take care of your health When you get life insurance, whether you are a pilot or not, you will be subject to a health examine. Make sure your blood pressure is under control, your weight is in a healthy range and you are eating as healthfully as possible. It is also a good idea to monitor your alcohol intake and if you are smoking try and quit.
It is also a good time to begin an exercise program if you do not have one already. Chances are, if you are a pilot, you have spent considerable time and money pursuing your dream. Finding the right life insurance should not be a problem just because of your hobby or vocation. Some people fly to end long commutes and still others fly for agricultural purposes. Whether you are flying for work or for the pure joy of it, we can help you find the right life insurance policy. Protecting the ones you love in the case of tragedy is important and we want to give you the peace of mind to pursue your dreams.
