So, I'm a freshly minted father, freaking out about life insurance
policies (250 hour pilot, IFR).

From what I have read in the past from this group, insurance policies
tend to have aviation exclusion riders.

Starting a new job 2 weeks ago, I asked our HR rep about such an
exclusion in our corporate policy and after researching it for a week,
she sent me a copy and said "no exclusions"

The AD&D policy does have an explicit exclusion (unless I happen to be
PIC of the corporate Citation!), but I can't find anything in the life
insurance policy.

It's probably a standard policy (Prudential is the underwriter). When I
called Prudential to verify, they redirected me to the Corporate
Benefits Department, who once again said "no exclusions"

Of course, if I ever need the policy I won't be around to fight for the
payments. The rates are pretty low ($230/year for 0.5M coverage, which
is all I need at this point).

I have three emails stating "no exclusions". Should I get it signed, on
a piece of paper? Should I be so paranoid? I think so.