Pay close attention to the terms of the policy- especially the Harvey Watt offerings. If you are looking for true loss of license, pay attention because many of the policies don't really cover for loss of license unless you are so messed up that you meet the Social Security definition of disabled. Many of the plans out there use the SS definition which only covers you if you can't physically do any sort of work- not just something smaller that leaves you unable to hold an FAA medical but able to do other stuff. Also watch out for language in the terms that takes away the money they are supposed to pay you if you are doing some other form of work. It will be hard to find something that won't reduce the money they are paying out if you are doing other work. I guess what I am trying to say here is to look at all the fine details and how they will affect you in case you try to collect. Good luck.