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Frequently Asked Questions

I am a private pilot and need life insurance. How do I answer the private pilot question?

Private pilots often find that their life insurance policy excludes coverage for death caused while piloting a private aircraft. To get life insurance to cover you while you are piloting a private aircraft you must meet special criteria such as flying a manufactured aircraft, meeting certain flying hours and licensing milestones and other company-specific insurance underwriting guidelines. The overwhelming majority of term life companies will not give their lowest rates to private pilots, however many will give their next-highest life insurance rate. 
What term life insurance will do for you: 
· Pays death benefit to your beneficiary that: 1) covers your final expenses, and 2) provides a lump sum that they can invest to meet your dependents needs. 
· Covers you for the full amount of life insurance you choose for a specified period of time. 
· Is convertible and renewable depending on the policy. 
· Gradually increases annual premiums as you get older. 
· Is a good choice to meet temporary insurance needs. 
What term life insurance doesn't do: 
· It doesn't provide a cash value account. 
· It doesn't provide you permanent life insurance protection. 
· It doesn't fund expected federal and/or state estate tax obligations. 
· It doesn't fund an irrevocable life insurance trust. 
· It doesn't fund trusts for the purpose of providing an estate. 


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Over the years our customers have asked us particular insurance questions. We have put these altogether to help you make intelligent buying decisions.