Test Pilots & Life Insurance
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Life insurance for test pilots may be available at standard terms with specific insurers if you are based within the UK.
Our advisers will ask you:
- What kind of aircraft are you flying?
- How many hours do you fly each year?
- Are you flying in the UK or abroad?
Having details available to let us know the aircraft that you fly will be really helpful in finding the right insurer for you.
If your fly experimental or prototype aircraft it is likely that a lot of insurers will increase your premiums for life insurance. This is known as special or non-standard terms. Some insurers will do this, not all of them.
Our award winning advisers will find the best life insurance policy for you, to protect your loved ones.
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 insurance applications for test pilots can be available but might come with an exclusion.
This usually means that the insurer will say that they won’t pay a claim if you are diagnosed with a critical illness whilst you are at work.
You might be able to get critical illness cover at normal terms and our advisers will search the market to find the right policy for you.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for test pilots may be available with some insurers. Your choice of insurer will be absolutely key in getting you the best terms for income protection.
Most insurers are going to see your work as incredibly high risk for an income protection claim. You must be incredibly healthy to do your job and it doesn’t take much for you to have a health condition that can stop you working. This will mean that some insurers will not be able to offer you income protection.
Our expert advisers will give you a clear breakdown of the best way to protect your income.
Test pilots are responsible for trying out new and modified aircraft to establish if they meet the performance criteria that they are designed for. Specified manoeuvres and flying techniques are used to test aircraft in full during a flight to ensure that they are safe for use by military, commercial and private pilots.
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