In article ,
says...


I'll say again, I've never seen a GA exclusion on any insurance that I
have. Group life and AD&D insurance through work even covers me if I am
instructing. Just for kicks, I looked into extra life insurance with
USAA a while back, and they don't have an exclusion either. It seems
that you're looking in the wrong places.

I wasn't looking at all - just received this ad in the mail, and because
they spent about half the document finding different ways of saying they
wouldn't have anything to do with private aviation, I figured they must not
be the only ones. I was surprised they went on and on about this
one particular thing. We all do things that are potentially dangerous - I
think my chances of being disabled are much greater in my car, for two
reasons. First, though I admit the type of flying I do is more dangerous by
any reasonable measure than the type of driving I do, I spend many more
hours in the car. Secondly, sorry to say, if I should be foolish or
unfortunate enough to have a serious accident in an airplane, my chances of
being killed are probably as high as my chances of disability, which is not
the case in the car(1). This particular insurance only pays to the injured
party (not to a third party) in the case of disability. If you die, they
have no obligation. Therefore, I believe this particular underwriter
suffers from an unfair, anti-GA bias.

GF

(1) (I don't have any proof of this, and would be interested in hearing if
others - with knowledge of the subject, that is - believe this is true)