Flight Instructor Life Insurance
Flight instructor life insurance is a category under private aviation where almost all life insurance companies could be categorized as “very unfriendly”. It’s kind of a conundrum in underwriting because instructors are, in general, the most experienced and safety conscious, and they’re flying with the least experienced, student pilots.
Most life insurance companies rate instructors, well, like most life insurance companies rate student pilots (and don’t worry, Hinerman Group also offers student pilot insurance). In other words, they treat the combined situation of instructor/student as if the student is in charge which just isn’t the case.
So, there are three instructor ratings. Certified flight instructor, CFI, allows you to instruct in single engine aircraft under visual flight rules. Certified flight instructor instrument, CFII, allows you to instruct in single engine aircraft under instrument flight rules and multiple engine instructor combines with either to allow instruction in multi engine aircraft.
There is one life insurance company that will rate flight instructor life insurance based on hours only at their best or second-best rate classes, both home runs. If you have an instructor rating with more than 250 total pilot in command hours and fly more than 50 hours annually you can get the best rate class. Less than 250 total hours or less than 50 annually would get you an online life insurance quote at the second-best rate class.
Life insurance for flight instructors is available at great rates just like it is for the most experienced private pilots.
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