Test Pilots & Life Insurance
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Test Pilots & Life Insurance
Life insurance for test pilots may be available at standard terms with specific insurers if you are based within the UK.
Our advisers will ask you:
- What kind of aircraft are you flying?
- How many hours do you fly each year?
- Are you flying in the UK or abroad?
Having details available to let us know the aircraft that you fly will be really helpful in finding the right insurer for you.
If your fly experimental or prototype aircraft it is likely that a lot of insurers will increase your premiums for life insurance. This is known as special or non-standard terms. Some insurers will do this, not all of them.
Our award winning advisers will find the best life insurance policy for you, to protect your loved ones.
Test Pilots & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness insurance applications for test pilots can be available but might come with an exclusion.
This usually means that the insurer will say that they won’t pay a claim if you are diagnosed with a critical illness whilst you are at work.
It is worth bearing in mind that many conditions covered by a critical illness policy are not things that can be caused by your occupation e.g. Parkinsons, cancer, etc.
You might be able to get critical illness cover at normal terms and our advisers will search the market to find the right policy for you.
Test Pilots & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for test pilots may be available with some insurers. Your choice of insurer will be absolutely key in getting you the best terms for income protection.
Most insurers are going to see your work as incredibly high risk for an income protection claim. You must be incredibly healthy to do your job and it doesn’t take much for you to have a health condition that can stop you working. This will mean that some insurers will not be able to offer you income protection.
Our expert advisers will give you a clear breakdown of the best way to protect your income.
Test Pilots & Travel Insurance
We work alongside a specialist travel broker that can find the right policy for you. To find out more, please visit our travel page here.
Test Pilots
Test pilots are responsible for trying out new and modified aircraft to establish if they meet the performance criteria that they are designed for. Specified manoeuvres and flying techniques are used to test aircraft in full during a flight to ensure that they are safe for use by military, commercial and private pilots.
Example Occupations
- Production aircraft pilot
- Experimental aircraft pilot
- Non-production aircraft pilot
Possible Risks
- Environmental factors
- Equipment malfunction
- Heights
Occupational Duties
- Testing aircraft
- Health and safety
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 807 reviews.
Review by Tim on 6th August 2020
“Very professional and responsive business. Cura is a very professional and responsive business that helped me explore my options and alternatives with great care and attention to details and in sharp contrast to other firms who gave up at the first hurdle. An outstanding experience I can recommend to others without reservation.” - 5
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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