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Old 03-25-2019, 10:58 AM   #1  
All is fine at .79
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Joined APC: Sep 2016
Position: Paahlot
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Default Term life insurance

Looking for $500k 20 year term life and just got a quote from Prudential for a stupid amount like $700+/month.
ACMI long haul and yes hazmat.
Anybody have any bright ideas.
Thereís got to be like 6-7000 pilots in the same risk bracket.

No bankruptcy, one speeding ticket in 19 years, not overweight yadayadayada....
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Old 03-25-2019, 11:32 AM   #2  
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I know age might be one of the biggest factors, and by the looks of it ("Tiredsoul") you don't sound like a spring chicken. [emoji15]Checkout ALPA or NMAA if you qualify for either.


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Old 03-25-2019, 11:51 AM   #3  
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Mentally Iím 12 years old lol.
Iím not with an ALPA carrier.
Website of Selectquote doesnít open where Iím currently at so Iíll go digging when Iím back stateside.
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Old 03-25-2019, 11:57 AM   #4  
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https://www.traversaviation.com/

I'm working with them at the moment. So far the AIG policy that they quoted me is the best rate I've found.
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Old 03-25-2019, 12:40 PM   #5  
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Does your company have a term policy on you?
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Old 03-25-2019, 12:45 PM   #6  
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Quote:
Originally Posted by dogo View Post
Does your company have a term policy on you?
Yeah but Iíd like SWMBO to not have to worry about paying off the house and leave a couple of years wages in case of a premature demise.
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Old 03-25-2019, 01:27 PM   #7  
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Harvey Watt has good policies. They deal with Pilots, hazmat, combat areas, etc.
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Old 03-25-2019, 02:43 PM   #8  
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Let everyone know what you end up with in general. I'm interested in something as well; haven't a clue where to start (my present policy is good for another 2 yrs or so.....then poof!)
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Old 03-26-2019, 07:30 AM   #9  
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Same question was discussed on a facebook pilot thread one or two months ago, so data is probably still decent:

46 yo male, 20 yr term for 1.5million = $230/month (Prudential)

42 yo male, 20 yr term for 1.25million = $700/year (Zander)

41 yo male, 20 yr term for 2.5million = $170/month (Selectquote)

The above three were either flying part 121 or part 135

Someone also recommended Northwest Mutual but didnít say what they were paying for their policy.
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Old 03-26-2019, 07:51 AM   #10  
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Quote:
Originally Posted by LunkerHunter View Post
The above three were either flying part 121 or part 135

.
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.
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