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03-26-2019, 07:49 AM

#11

Reactivity

Gets Weekends Off

Joined APC: Jun 2006

Position: Left, right & center

Posts: 769

Quote:

Originally Posted by TiredSoul

Looking for $500k 20 year term life and just got a quote from Prudential for a stupid amount like $700+/month.

http://piclife.com

03-26-2019, 08:59 AM

#12

TiredSoul

All is fine at .79

Thread Starter

Joined APC: Sep 2016

Position: Paahlot

Posts: 4,082

Thank you all, I’ll let you know how this pans out.

03-26-2019, 05:01 PM

#13

gumpscheck

Gets Weekends Off

Joined APC: Dec 2017

Position: B767 Capt.

Posts: 171

Quote:

Originally Posted by TiredSoul

Thank you all, I’ll let you know how this pans out.

Try through AOPA. They have good companies and 121 ops is not an issue.

03-26-2019, 06:05 PM

#14

BMEP100

Banned

Joined APC: May 2014

Position: Tom’s Whipping boy.

Posts: 1,182

Quote:

Originally Posted by Reactivity

http://piclife.com

I used these guys before and was really satisfied. Too bad my 15 year term is up next year.

03-26-2019, 07:10 PM

#15

ESQ702

Fly or Die

Joined APC: Jan 2019

Posts: 484

I’m 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. I’ll try and remember to come back on here and report how things end up.

03-28-2019, 12:34 PM

#16

Trucker23

Line Holder

Joined APC: Jan 2017

Posts: 65

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.

03-30-2019, 09:53 AM

#17

Pinkdog

Line Holder

Joined APC: Dec 2016

Posts: 82

Quote:

Originally Posted by 742Dash

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 didn’t even list war torn countries (i.e. afghan.)....

03-30-2019, 02:08 PM

#18

TiredSoul

All is fine at .79

Thread Starter

Joined APC: Sep 2016

Position: Paahlot

Posts: 4,082

Travers aviation came back with $78/month for 20 year $500k.
Figured that was kinda low and it was without hazmat and Sandikistan so they’re crunching the numbers now.

03-30-2019, 03:42 PM

#19

Reactivity

Gets Weekends Off

Joined APC: Jun 2006

Position: Left, right & center

Posts: 769

Quote:

Originally Posted by TiredSoul

Travers aviation came back with $78/month for 20 year $500k.
Figured that was kinda low and it was without hazmat and Sandikistan so they’re 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.

03-30-2019, 08:28 PM

#20

742Dash

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Joined APC: Feb 2008

Position: Retired

Posts: 651

Quote:

Originally Posted by Reactivity

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.