Pilot Disability Insurance

A Disability Financial Planning Tool

Income Protection Including Loss of Medical Certificate For:

• Commercial Pilots
• Corporate Pilots
• Cargo Pilots
• Aerial Applicators
• Agricultural Pilots
• Firefighter Pilots
• Air Show Pilots
• Test Pilots
• Air Ambulance Pilots

Corporate and commercial pilots have always had a tough time securing proper disability insurance. In the past, the majority of disability insurance companies have told pilots that they are "uninsurable" because there are too many factors that could cause them to lose their medical certificate. Due to strict FAA medical qualifications, many health issues that would allow employees in the traditional workplace to continue working would cost a pilot his or her ability to fly for a living.

California is ablaze annually with numerous major wildfires. The television news can look like an adventure movie: tanker planes and water dropping helicopters swooping across the TV screen making daring water drops. Brave and heroic men and women are risking personal injury and possible loss of life in fighting the raging fires. This is not an adventure movie, it is real.

Fortunately for the pilots and crew members, we tend to their needs with the Pilot's Disability Insurance plan.

While traditional disability insurance carriers have effectively

turned their backs on this occupation, We have a disability insurance plan that will cover pilots if they lose their medical certificate and are no longer able to fly.

In addition to corporate pilots, coverage is also available for helicopter pilots, charter operators, fire fighting pilots, commercial pilots, agricultural aviators, stunt pilots and test pilots. The Pilot Disability Plan is available on an individual basis as well as on a guaranteed issue basis for groups.

A disability insurance policy is one of the most crucial parts of a sound financial plan. A sufficient Disability Insurance plan makes it possible for a disabled pilot to pay his or her mortgage and utilities bills, buy clothing and cover school costs for his or her children, as well as put food on the table every day. Cash flow is critical when you're unable to work for an extended period of time; Our Pilot Disability Insurance Plan will allow grounded pilots to maintain their standards of living.

• Pilot Disability Insurance provides exceptional benefits at affordable rates
• Provides monthly payments to keep your world intact until your medical certificate is reinstated
• Monthly benefit amounts from $500 to $25,000 per month
• Monthly Benefit Periods of 12, 24, 36, 48, and 60 months
• Elimination Periods of 30, 60, 90, 180 days or longer
• True Own Occupation Total Disability definition

• Residual Disability Rider Benefit
• Optional Cost of Living Adjustment (COLA)

• Recurrent Disability
• Presumptive Disability
• Transplant Benefits
• Waiver of Premium
• Survivorship Benefits
• Rehabilitation Benefits