Term Life
09-01-2016, 05:07 AM
#1
On Reserve
Thread Starter
Joined APC: Mar 2010
Posts: 21
Term Life
Good morning folks.
Can anyone pass along their experience with Harvey Watt & CO? I am searching out additional term life and their rates appear to be significantly cheaper than the well known companies such as Predential, NY Life etc. The underwriter is ReliaStar which I never heard of. I was surprised when the Prudential agent told me that most companies will not offer their top tier preffered rates regardless of your health. They consider us a higher risk simply for being an airline pilot.
Thanks in advance for any input
Can anyone pass along their experience with Harvey Watt & CO? I am searching out additional term life and their rates appear to be significantly cheaper than the well known companies such as Predential, NY Life etc. The underwriter is ReliaStar which I never heard of. I was surprised when the Prudential agent told me that most companies will not offer their top tier preffered rates regardless of your health. They consider us a higher risk simply for being an airline pilot.
Thanks in advance for any input
09-01-2016, 05:39 AM
#2
Gets Weekends Off
Joined APC: Feb 2013
Posts: 2,744
Originally Posted by ATRCA
Good morning folks.
Can anyone pass along their experience with Harvey Watt & CO? I am searching out additional term life and their rates appear to be significantly cheaper than the well known companies such as Predential, NY Life etc. The underwriter is ReliaStar which I never heard of. I was surprised when the Prudential agent told me that most companies will not offer their top tier preffered rates regardless of your health. They consider us a higher risk simply for being an airline pilot.
Thanks in advance for any input
Can anyone pass along their experience with Harvey Watt & CO? I am searching out additional term life and their rates appear to be significantly cheaper than the well known companies such as Predential, NY Life etc. The underwriter is ReliaStar which I never heard of. I was surprised when the Prudential agent told me that most companies will not offer their top tier preffered rates regardless of your health. They consider us a higher risk simply for being an airline pilot.
Thanks in advance for any input
The risk with unknown companies is if they go out of business.
09-03-2016, 11:34 PM
#4
Gets Weekends Off
Joined APC: Feb 2008
Position: Retired
Posts: 651
My most recent experience was that it was not being a pilot that was a problem, it was the international flying.
They will ask about employment, which is how the flying thing comes up.
AIG, who I had been using, pointed me towards Harvey Watt. So far it was worked, but all that means is that they take my money. My wife has not yet tested the process of claiming benefits.
They will ask about employment, which is how the flying thing comes up.
AIG, who I had been using, pointed me towards Harvey Watt. So far it was worked, but all that means is that they take my money. My wife has not yet tested the process of claiming benefits.
09-12-2016, 02:51 PM
#6
Gets Weekends Off
Joined APC: Sep 2012
Position: left seat CRJ (again!)
Posts: 349
When I retired from the National Guard, a friend helped find a $250,000, 20 year, term policy from First Penn Pacific Life Insurance Company. They did ask questions and were of the nature of how often did I train, was Comair Part 121 or 135 and what certificates I held. My policy is $400 annually.
BTW, First Penn Pacific is now part of the Lincoln Financial Group.
BTW, First Penn Pacific is now part of the Lincoln Financial Group.
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