Why do you need a 1M 10year term policy?
Find a broker who deals with companies that understand aviation.
Maybe lower your coverage?
Buy whole life?

I've been covered by life insurance and flying for over 30 years, I did not
have that problem when younger and rated and I was flying on active duty
with the military and still covered by "civilian" life insurance policies. I
did pay a $1/month extra premium to fly as PIC in civil aircraft until age
44. Then that extra went away. Now someone with the actuarial tables will
have to explain that one.

I also have a friend, who waited until military retirement to attempt to buy
"civilian" life insurance to protect his now young family. He is a civil
pilot of low experience and he is also having problems finding insurance
that will cover him as PIC in GA aircraft. His current policy specifically
states "not covered while PIC."

My companies "Group Policy" that is "free" and only covers 1 years salary
also states no coverage when operating aircraft as PIC. But it will cover me
to fly with someone else as a passenger.

B

"Joe" wrote in message
oups.com...
I am in the process of trying to buy life insurance for the first time
and I was wondering if anyone had any advice for me. I am sure many of
you have gone through this already.

Here are the details:
I finished my private license last novemeber. I have flown a little
since, but only every 1-2 months.
I requested a quote from Zander (which is basically a broker that
represents many companies). On my original request, I said I was a
pilot. They wrote me back and requested a few more pieces of
information related to my flying like total hours, ratings, hours per
year, etc.

For a $1M, 10-year term policy, with my particulars, with aviation
coverage, they quoted $295 /year BUT, until I had 100 solo hours and
had an annual rate of 25 hours a year, there would be an additional
charge of $2900 annually. Yikes. I can probably swing the 25 hours a
year without too much effort, but I currently only have 20 hours of
solo time. So, it is going to cost me something like $6,000 to amass
that sort of time. Although I would love to go do that next month, my
finances don't allow that at the moment.

So, my question is, has anyone else been in this dilema before? Does
anyone reading this have limited flying experience like I do but have
gotten a better deal elsewhere? Are there other companies I should look
into?

I would really appreciate any advice. At this point I think I am going
to have to give up flying for a few years until I can actually afford
it. And that has got me kind of depressed.

Thanks,
Joe in Denver