"PPL-A (Canada)" wrote:


It should give all pilots cause to contemplate for a moment how their
families would be provided for in the event that they are killed while
piloting a plane. What is your insurance situation?

Any life insurance proposal I ever filled out had questions on hobbies
where being a PPL was kind of hard not to disclose and which
inevitably led to having to fill out the GA questionnaire. I do
currently have a loading on my policies because of my PPL.

Though I have been led to believe that if piloting is something you
took up after a policy is already in place then it doesn't necessarily
invalidate an existing policy. Also I read an article on yahoo
recently which suggested insurers are slow to completely void a policy
and instead are more likely to reduce the payout if omissions were
made during the application. They cited an example where if a life
insured individual declared he was a non smoker and then died of a
smoking related illness, then they may opt to reduce the pay out to
the amount he would have been insured for had he been paying a smokers
loading.

In any case I think loading for GA activities is unfair. The FAA
stats indicate a fatality rate of 1.3 per 100,000 hours of flying,
which admittedly isn't as safe as commercial aviation but definitely
nowhere close to being a dangerous activity. By my reckoning I'm far
more likely to die during the 300 hours I spend a year behind the
wheel than the 30 or so a year I spend in my Cessna.