Michael wrote:

Insurance companies seem to agree with you on this. There isn't a
single aviation insurer out there that will give you a premium break
for flying fewer hours, but most will give you a break for flying more
hours.

For what type of insurance?

I've a private cert (with instrument rating). I plan to upgrade to
commercial in the future. My life insurance agent, though, thought that
this would adversely impact my life insurance.

More, he seemed to have difficulty getting me the insurance increase
(appropriate now that I'm a parent) I wanted because I was a pilot. He'd
no similar difficulty for my wife.

I'm wondering if this is typical, or if I should be shopping elsewhere.

- Andrew