Michael wrote:

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.

I suspect that once he understands that you are only going to have the
rating, and are not actually going to fly commercially, this may not
be a problem.

He understood, but seemed to feel that the message would not make it into
the insurance company's "process".

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

It's typical enough, but there are a few companies that claim to offer
their best rates to pilots. No experience with them - I have no life
insurance at all.

Ah, so you're worth more alive than dead. I get a little nervous with the
reverse situation laugh.

- Andrew