On Friday, April 5, 2019 at 7:44:36 AM UTC-7, SF wrote:
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.

Does being an instructor raise or lower the price?

(obviously racing raises it)