Loss of Licence

Aircrew undertake years of hard work and incur considerable expense to obtain an aviation licence. However, a pilot or air traffic control officer’s career and income are at risk if they are prevented from carrying out their duties because of a serious injury or deterioration in health.

Loss of licence insurance provides financial help in preparing for an alternative career if an aviation career is brought to an abrupt end. Our policy is available to individual pilots and air traffic control officers on a voluntary basis if coverage is not provided by their employer, or if they want additional 'top up' coverage in addition to an existing group policy.

Our cover is also available on a group basis to airlines, unions or groups of pilots wishing to provide this benefit to their employees or members. Loss of licence insurance for group schemes overcomes many of the limitations encountered with more traditional group insurance products, such as permanent health and critical illness insurance, which may offer only restricted cover and reduced benefits.

Who we can insure

We can cover any individual or group of commercial fixed or rotary wing pilots, flight instructors, or air traffic control officers holding a current licence and who is gainfully employed, and actively at work.

Key benefits

Lump sum payment
Monthly temporary benefit option
Continuous coverage
Full psychological illness cover option available
Market leading cover for alcohol and drug related illnesses
Worldwide cover

Product options

We offer the highest quality products while allowing our clients the flexibility to select the coverage level appropriate to their budget.

Key area	Individual	Group
		Essential	Extra	Elite
Psychological disorder(s)	100% sum insured	excluded	50% sum insured	100% sum insured
Previous disabilities excluded	prior to inception	prior to inception	60 months prior to inception	24 months prior to inception
Temporary total disability	option available	option available	180 days excess period	90 days excess period