📖 Pilot Guide
The Pilot’s Guide to Income Protection & Loss of Licence
For pilots, the career-ending risk is rarely dramatic — it is the medical. Here is how cover is built around that.
Get a Free Quote →Ask a pilot what keeps the career on track and the honest answer is the Class 1 medical. Lose it and the income can stop, even when you feel fine. That single risk shapes how protection is arranged for flight crew, far more than the usual life-cover conversation.
Loss of licence cover and income protection work together here: one addresses the medical certificate directly, the other replaces income from illness or injury more broadly.
Quick Answers
Pilot Cover — Quick Questions
What does loss of licence cover actually do?
It pays out if you lose your aviation medical certificate for medical reasons — the specific event most likely to interrupt a flying career.
Will income protection respond if I lose my Class 1?
With the right pilot-specific policy, yes. We check the wording so the medical certificate is treated as a valid trigger.
Are contract and self-employed pilots covered?
Yes. We tailor cover for airline employees, contractors and self-employed pilots, and make sure it travels internationally.
Does a global roster cause problems?
It should not. We use insurers whose policies respond wherever you are based and flying.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. Life Insurance For Me is a trading style of More Than Money Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1047044). See our regulatory information.
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Reviewed by the LifeInsuranceForMe advice team · Last updated · FCA authorised, FRN 1047044