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So, I'm a freshly minted father, freaking out about life insurance
policies (250 hour pilot, IFR). From what I have read in the past from this group, insurance policies tend to have aviation exclusion riders. Starting a new job 2 weeks ago, I asked our HR rep about such an exclusion in our corporate policy and after researching it for a week, she sent me a copy and said "no exclusions" The AD&D policy does have an explicit exclusion (unless I happen to be PIC of the corporate Citation!), but I can't find anything in the life insurance policy. It's probably a standard policy (Prudential is the underwriter). When I called Prudential to verify, they redirected me to the Corporate Benefits Department, who once again said "no exclusions" Of course, if I ever need the policy I won't be around to fight for the payments. The rates are pretty low ($230/year for 0.5M coverage, which is all I need at this point). I have three emails stating "no exclusions". Should I get it signed, on a piece of paper? Should I be so paranoid? I think so. |
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