Private Pilot Life Insurance

Private Pilot Life Insurance

Private pilot life insurance is an area of life insurance underwriting that is constantly in flux. It changes often enough that I won’t provide a quote without shopping your personal flight experience information to all the companies I represent.

The swing criteria is probably not hard to guess. 1. Total hours. They want to know that you are experienced enough to fly safely and know when not to fly. 2. Your flight rating? IFR and CFII are eligible for the best rate class with no restrictions on aviation. VFR can get as good as preferred, the second-best rate class as long as… 3. Annual flight hours. For IFR and CFII to qualify for the best rate class you need to be flying 50+ hours annually. VFR can fly as little as 25 annually and still qualify for preferred.

Other factors that play into the private pilot life insurance underwriting are 1. Type of aircraft you’re flying. Underwriting can be tough on some experimental or homebuilt aircraft, but that can be overlooked if you have an airworthiness certificate. 2. Accidents. Even minor ground accidents need full disclosure. Depending on how minor they can be overlooked. 3. Age. While there are a few companies that will issue new life insurance on private pilots up to 75, most cut it off at age 70.

We can always beat the rates that AOPA offers on their group coverage and we aren’t limited on the amount of insurance the way they are. Give our private pilot life insurance policy quotes a try. You’ll be glad you did.

More Questions? Check Out Our Blog!

The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.

Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life.


My 20 years of experience give me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

Let’s get together and get it done right for you and your family!