We were applying for new Key Man life insurance a few years ago.
The first form asked if I was a pilot.
A few weeks later...The second form asked what kind of pilot I was, and some basic questions on ratings, flight hours, number of landings etc.
A few weeks after that, the third form arrived, it only had two questions on it.
1. Are you a glider instructor?
2. do you race gliders?
So someone there understands the appropriate risk factors. And yes my rate was significantly higher that my non flying partners.