Condolences to all at 9E for the loss of your colleague and to the Ryan family. It's always tragic to hear about such accidents and the consequences for those left behind.

I agree with Blue Skies 100% on the life insurance. I might add that it's best to get insurance when you are young and can lock in on good rates. The cheapest and best form of it in my opinion is the simple term life insurance. You can lock in to a 20-30 year fixed premium term policy for a very good rate if you do it under age 40. Term policy will give you no investment returns but its simply a benefit for those you leave behind. Some even have an early payout provision if you have a terminal illness to help pay for expenses. And yes, look into a policy that will cover aviation activities. Due to inflation etc, it's best to get a minimum of 10 times your salary early on and lock in.

Remember, term insurance etc bought through your employer is not portable. It's better to get the "extra" insurance from outside your employment and always have it.