Pilots & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

PilotsIn general being a pilot will not have a huge bearing upon a Life Insurance application that you place. We are often able to secure standard terms for pilots life insurance, so long as they do not have a significant medical history or regularly travel to hazardous countries. When applying for Life Insurance for pilots the insurance provider you apply to will likely ask you what you do for a living in which case you will need to provide this information. So long as you do not take part in excessive private aviation too then a lot of insurance providers should accept you at normal terms.

If you are a helicopter pilot please be aware that your application may be assessed differently to that of an aeroplane pilot. Insurers perceive helicopter use as more hazardous than aeroplane travel and we strongly recommend that you speak with one of our experienced advisers who can place your application with the correct provider for you.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover for pilots is often assessed in the same way as life insurance. If you are a commercial pilot with no significant medical history then you should be able to get a policy on standard terms. This is because insurers do not view your occupation as placing you at a heightened risk of developing a critical illness. Other factors such as your own or familial medical history are more likely to have an impact upon your application; please refer to our pages for more information if required.

It is worth noting that TPD (total permanent disability) is not likely to be available with your critical illness insurance due to your occupation. If it is available it will usually be on a ‘any occupation’ or similar definition.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for pilots is possible but there are specific stipulations to the cover. An ideal Income Protection policy will cover you for ‘own occupation’ meaning that should be unable to do your specific job duties then you can make a claim. This definition is not always available for pilots so you would be best speaking to an adviser who can explain what options are available to you.

Are you planning a trip abroad? We work alongside a specialist travel insurance broker that can help you to find insurance. To find out more, please visit our travel page here.

  • Commercial pilot
  • Military Pilot
  • Military deployment
  • Hazardous countries
  • Aircraft failure
  • Visual analysis
  • Diagnostics
  • Mechanical operation

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 541 reviews.

Review by John on 25th April 2017

Exceptional service I would happily recommend them to friends and family. They took the time to fully understand my circumstances, they were knowledgeable on my occupation(pilot) and they got me a great deal. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


Client Reviews


Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Get a Quote

Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards