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Aviation

CARRIER

RISK CLASS

DEFINITION

American General

Preferred Plus

No history

Preferred

No history

Standard Plus

Will consider with appropriate rating

Standard

Will consider with appropriate rating

Preferred Tobacco

Will consider with appropriate rating

American National

Preferred Plus

Commerical pilots flying regularly scheduled airlines in US only

Preferred

Private pilots:  Issue ages 25-75, has 100+ hrs, flies between 26-200 hrs per year

AVIVA

Premier

Available if qualifies as a standard aviation risk or with an exclusion or flat extra

Preferred

AXA

Preferred Elite

Permanent flat extra up to 3.50/1000 may be allowed

Preferred

Permanent flat extra up to 3.50/1000 may be allowed

Standard Plus

Permanent flat extra up to 3.50/1000 may be allowed

Banner

Preferred Plus

Available only with exclusion rider

Preferred

Available only with exclusion rider

Standard Plus

Available-may have flat extra

Standard

Available-may have flat extra or exclusion rider

Genworth

Preferred Best

Flat extra or exclusion rider

Preferred

Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year

Select

Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year

Standard

Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year

ING

Super Preferred

Available-may have exclusion rider

Preferred

Available-may have exclusion rider

Select

Available-may have exclusion rider

John Hancock

Super Preferred

No participation; age 71+ no participation in last 12 months

Preferred

Private pilots >300 hrs who fly 25-200 hrs yearly and have IFR or pilots and crew on reg scheduled airline flights-flat extra or exclusion may be available

Standard Plus

Participation does not exclude-flat extra or aviation exclusion will be applied

Lincoln Benefit

Preferred Elite

Regularly scheduled US-based airline only

Preferred

Regularly scheduled US-based airline and best private pilots with over 300 hrs experience flying 50-150 hrs per year with IFR

Standard Select

Not excluded buy flat extra may apply

Standard

Not excluded buy flat extra may apply

Lincoln National

Preferred Plus

No private aviation

Preferred

Private pilots may qualify if IFR, 100-250 solo hrs, flies between 50-250 hrs per year, under age 70, clean MVR and flying limited to USA and CANADA

MetLife

Elite Plus

Non-ratable commercial pilots only

Preferred Plus

Non-ratable commercial pilots only

Standard Plus

Aviation or exclusion rider acceptable

Standard

Flat extra acceptable-exclusion riders acceptable where available

Nationwide

Preferred Plus

Commercial pilots only

Preferred

Commercial pilots only

North American

Super Preferred

Commercial pilots for major airlines with aviation exclusion rider only

Preferred

Non-ratable licensed commercial and private pilots are acceptable

Standard Plus

Coverage available-flat extra may apply

Protective Life

Select Preferred

No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted for qualification where jurisdiction approved;  for ages 71+ exclusions will be permitted for qualification where jurisdiction approved

Preferred (UL, VUL, SUL only)

No exclusion if: ages 27-65; 400 solo hrs; 26-200 hrs annually;fly in US AND Canada; possesses IFR or ATR; clean MVR; no abnormal liver function tests

Preferred (Term)

Not a private pilot or participant in aviation activities. Pilot and crewmembers on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities.  Exclusions will be permitted for qualification, where jurisdiction approved.

Prudential

Preferred Best

Must have no ratable aviation activities, have a current and valid Private, Commercial or ATP certification, be at least 30 years of age , have  1,000 hours or more of total flight time or flying at least 5 years aviation history, no FAA violations,  have at least 100 hours in the current make/model of aircraft, have a valid medical vertification without restrictions or special issuance,  fly between 30 and 300 hours per year. This is limited to pilots of fixed wing, powered aircraft flights only (no rotocraft/glider flights.) Business jet pilots are also eligible.

Prudential

Preferred

Must have no ratable aviation activities; have a current and valid Private, Commercial or ATP certification; be at least 30 years of age; have 1,000 hours or more of total flight time or flying at least 5 years aviation history; no FAA violations in the past 5 years; have at least 100 hours in the current make/model of aircraft; and fly between 30 and 300 hours per year.

Nonsmoker Plus

Must have no ratable aviation activities, have a current and valid Private, Commerical, or ATP cerficiation; be at 25 years of age; have more than 600 hours flight time or flying at least 3 years; no FAA violations within past 3 years; and fly between 30 and 300 hours per year.

Nonsmoker

Must have no ratable aviation activities; have a current and valid Private, Commerical or Airline Transport Certificate; have more than 300 hours total flight time and fly between 30 and 300 hours per year.

TransAmerica

Preferred Plus

Private aviation available with exclusion rider up to age 70; not available ages 71+

Preferred

Private aviation available with exclusion rider; may  qualify for special no-flat rates as determined by UW

Standard Plus

Private aviation available with exclusion rider; may qualify for special no-flat rates as determined by UW

Standard

Private aviation available with exclusion rider; may qualify for special no-flat rates as determined by UW

Union Central

Preferred Plus

No participation in the last 5 years

Preferred

Private pilot with less than 500 solo hrs or flies more than 250 hrs per year and doesn't fly in other than conventional aircraft

Select

Private pilot with less than 350 solo hrs or flies more than 250 hrs per year and doesn't fly in other than conventional aircraft

United of Omaha

Preferred

No flying as a private pilot or crewmember unless aviation exclusion

West Coast Life

Select Preferred

No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted except in New Jersey and North Dakota; for ages 71+ : available with exclusion rider except in New Jersey and ND

Preferred

No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted except in New Jersey and North Dakota; for ages 71+ : available with exclusion rider except in New Jersey and ND