Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and agents provide reflect that.
There are a few companies out there that offer fair, reasonable rates for term insurance and universal life as long as the pilot meets thresholds. These thresholds reward those who are experienced and fly enough to maintain their proficiency. It’s important when a pilot chooses an agent, that they question that agents’ experience and proficiency in finding competitive rates.