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Old 03-26-2019, 08:49 AM   #11  
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Originally Posted by TiredSoul View Post
Looking for $500k 20 year term life and just got a quote from Prudential for a stupid amount like $700+/month.
http://piclife.com
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Old 03-26-2019, 09:59 AM   #12  
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Thank you all, Iíll let you know how this pans out.
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Old 03-26-2019, 06:01 PM   #13  
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Thank you all, Iíll let you know how this pans out.
Try through AOPA. They have good companies and 121 ops is not an issue.
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Old 03-26-2019, 07:05 PM   #14  
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I used these guys before and was really satisfied. Too bad my 15 year term is up next year.
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Old 03-26-2019, 08:10 PM   #15  
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Iím right in the middle of obtaining a 20 yr term with Zander Ins. So far so good - quote was reasonable (i.e., not $700/mo...). I should have a final offer any day now. Blood draw was about a month ago. Iíll try and remember to come back on here and report how things end up.
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Old 03-28-2019, 01:34 PM   #16  
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I just did my through policy genius. Got $1M, 20 year, $66/month
$500k, 30 year, $53/month
Both ended up through Prudential. Retired military, flying with a 135 company, 39 year old male.
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Old 03-30-2019, 10:53 AM   #17  
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When I was looking a couple of years ago the 121 was not a problem. The international was. The international into Afghanistan was a show stopper for everyone except Harvey Watt.
I found the same problem. International scares most companies and doubled (or more) the premium. And I didnít even list war torn countries (i.e. afghan.)....
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Old 03-30-2019, 03:08 PM   #18  
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Travers aviation came back with $78/month for 20 year $500k.
Figured that was kinda low and it was without hazmat and Sandikistan so theyíre crunching the numbers now.
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Old 03-30-2019, 04:42 PM   #19  
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Travers aviation came back with $78/month for 20 year $500k.
Figured that was kinda low and it was without hazmat and Sandikistan so theyíre crunching the numbers now.
That seems high for a starting point with no added hazards. At age 34, I got a $400K 20-year return of premium policy (which significantly increases the premiums because they give them all back at the end of the term) for $1064 a year. (I'm looking forward to the big check in a few years, but if you do the math on the opportunity cost, it's a little depressing.) A few years after that, I got a $500K 15-year policy for $460 per year.

Both of those were when I was flying 135, which tends to incur a penalty. I don't remember any specific hazmat questions during the application, but we were authorized to carry it, so if there were, that would have figured in there.
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Old 03-30-2019, 09:28 PM   #20  
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Both of those were when I was flying 135, which tends to incur a penalty. .
That is certainly true. But nothing like the penalty for a "121 airline" that is carrying military cargo into the crapistans. Which is the underlying, but not clearly expressed, issue that is at hand.
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