Good question and one that I asked more than once. The explanations that I
received from several Northwestern reps were that the policy is written at a
specific point in time for a person meeting specific requirements. If I
meet the requirements of the policy when the policy is written and I meet
the requirements of the policy when I die they will pay out as long as I
haven't violated any other conditions of the policy. There are conditions
that I must report to the company if they develop or I partake in them, such
as skydiving, but resumption of flying was not one.

My case was that I had quit flying for 8 years between my private/instrument
and my commercial. I already had one policy and it was a big concern to me
when I bought my second policy. I was assured by not only the agent, his
supervisor, and the companies legal office that if I had noted that I had no
intention at that time of resuming my flying activities but then later
changed my mind and started flying again it would have no effect on the
coverage or the premium. Since then I have also reported my hours and
ratings when purchasing additional policies, there have been no increased
premiums due to any of my additional ratings or certificates.

YMMV
Jim