Life Insurance & Non-Commercial Flying (winged, powered aircraft)
The reality of Non-Commercial Flying is that the impact on your life insurance cover may or may not be marginal. There can be a big difference between a tethered balloon pilot who pilots an airplane once every few weeks at their local Flying Club and someone who travels the world competing and record breaking.
Broadly speaking, the price and availability of life insurance cover will depend on the extent of your Leisure Flying and if you have any medical conditions which might impact you when Flying and/or when not Flying. There may be little or no additional cost or the increased risk may see a significant loading.
The worst outcome to be avoided, if possible, is that your Flying is totally excluded from your policy; meaning your peace of mind protection is removed when you are logically most at risk. Pulse aim to find that cover does not have any such exclusions.
Pulse are specialists in finding cover for Aircraft Pilots and other higher-risk pursuits when some insurers are declining to quote or wish to exclude Non-Commercial Flying.
Make a Life Insurance Enquiry
If you need a specialist underwriter.
If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Flying and any other specific conditions and needs into account and finding Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote. Each enquiry is treated individually by our underwriters and not simply rejected or accepted by a computer-based system.
Your Background as a Pilot
We have a specifically prepared set of Non-Commercial Flying-related questions which you should complete when making an enquiry.
These cover pertinent aspects of your Non-Commercial Flying: -
– the frequency of flying, flight duration, heights, location(s) you fly from
- your background and experience as a Pilot
- the aircraft you fly - be they more standard or home-built, custom or prototypes
- and any specific activity such as competitions, record attempts,
- where you fly especially any remote or over more hazardous locations
Your Health Background
It is possible your health may have as much or more impact on Life Insurance availability. You can begin by reviewing the dedicated details about any medical condition(s) on this website.
You can / should declare any medical conditions to us when you make an enquiry. Again, we have prepared specific questions for many conditions. If you are in perfect health, you will be asked to confirm this on your actual Life Insurance application.
Our Indication of Cover Availability and Cost
By providing all your details clearly and accurately, you allow our underwriter(s) to build an individual picture of you and your Non-Commercial Flying activity.
We know that getting and early idea if you can be covered and what kind of premium costs is involved is important.
We usually give an indication of premium and cover availability within 5 days.
Our policyholders tell us it is important to learn the availability of cover and to get an idea of price quickly.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are rather good at helping people find the cover they need.
In most Non-Commercial Flying enquiries, we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.
It is always important to declare your everything about your Flying and any medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your Health and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Requirements for more information
While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Flying or any medical conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
If you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
Beyond Life Insurance
More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.