Aviation

Aviation

CARRIER	RISK CLASS	DEFINITION
American General	Preferred Plus	No history
	Preferred	No history
	Standard Plus	Will consider with appropriate rating
	Standard	Will consider with appropriate rating
	Preferred Tobacco	Will consider with appropriate rating
American National	Preferred Plus	Commercial pilots flying regularly scheduled airlines in US only
American National	Preferred	Private pilots: Issue ages 25-75, has 100+ hrs, flies between 26-200 hrs per year
AVIVA	Premier	Available if qualifies as a standard aviation risk or with an exclusion or flat extra
AVIVA	Preferred
AXA	Preferred Elite	Permanent flat extra up to 3.50/1000 may be allowed
	Preferred	Permanent flat extra up to 3.50/1000 may be allowed
	Standard Plus	Permanent flat extra up to 3.50/1000 may be allowed
Banner	Preferred Plus	Available only with exclusion rider
	Preferred	Available only with exclusion rider
	Standard Plus	Available-may have flat extra
	Standard	Available-may have flat extra or exclusion rider
Genworth	Preferred Best	Flat extra or exclusion rider
	Preferred	Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year
	Select	Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year
	Standard	Available for private pilots pleasure flying only; IFR licensed, 26-150 hrs per year
ING	Super Preferred	Available-may have exclusion rider
	Preferred	Available-may have exclusion rider
	Select	Available-may have exclusion rider
John Hancock	Super Preferred	No participation; age 71+ no participation in last 12 months
	Preferred	Private pilots >300 hrs who fly 25-200 hrs yearly and have IFR or pilots and crew on regular scheduled airline flights-flat extra or exclusion may be available
	Standard Plus	Participation does not exclude-flat extra or aviation exclusion will be applied
Lincoln Benefit	Preferred Elite	Regularly scheduled US-based airline only
	Preferred	Regularly scheduled US-based airline and best private pilots with over 300 hrs experience flying 50-150 hrs per year with IFR
	Standard Select	Not excluded buy flat extra may apply
	Standard	Not excluded buy flat extra may apply
Lincoln National	Preferred Plus	No private aviation
Lincoln National	Preferred	Private pilots may qualify if IFR, 100-250 solo hrs, flies between 50-250 hrs per year, under age 70, clean MVR and flying limited to USA and CANADA
MetLife	Elite Plus	Non-ratable commercial pilots only
	Preferred Plus	Non-ratable commercial pilots only
	Standard Plus	Aviation or exclusion rider acceptable
	Standard	Flat extra acceptable-exclusion riders acceptable where available
Nationwide	Preferred Plus	Commercial pilots only
Nationwide	Preferred	Commercial pilots only
North American	Super Preferred	Commercial pilots for major airlines with aviation exclusion rider only
	Preferred	Non-ratable licensed commercial and private pilots are acceptable
	Standard Plus	Coverage available-flat extra may apply
Protective Life	Select Preferred	No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted for qualification where jurisdiction approved; for ages 71+ exclusions will be permitted for qualification where jurisdiction approved
	Preferred (UL, VUL, SUL only)	No exclusion if: ages 27-65; 400 solo hrs; 26-200 hrs annually; fly in US AND Canada; possesses IFR or ATR; clean MVR; no abnormal liver function tests
	Preferred (Term)	Not a private pilot or participant in aviation activities. Pilot and crewmembers on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities. Exclusions will be permitted for qualification, where jurisdiction approved.
Prudential	Preferred Best	Must have no ratable aviation activities, have a current and valid Private, Commercial or ATP certification, be at least 30 years of age, have 1,000 hours or more of total flight time or flying at least 5 years aviation history, no FAA violations, have at least 100 hours in the current make/model of aircraft, have a valid medical verification without restrictions or special issuance, fly between 30 and 300 hours per year. This is limited to pilots of fixed wing, powered aircraft flights only (no rotorcraft or glider flights.) Business jet pilots are also eligible.
Prudential	Preferred	Must have no ratable aviation activities; have a current and valid Private, Commercial or ATP certification; be at least 30 years of age; have 1,000 hours or more of total flight time or flying at least 5 years aviation history; no FAA violations in the past 5 years; have at least 100 hours in the current make/model of aircraft; and fly between 30 and 300 hours per year.
	Nonsmoker Plus	Must have no ratable aviation activities, have a current and valid Private, Commercial, or ATP certification; be at 25 years of age; have more than 600 hours flight time or flying at least 3 years; no FAA violations within past 3 years; and fly between 30 and 300 hours per year.
	Nonsmoker	Must have no ratable aviation activities; have a current and valid Private, Commercial or Airline Transport Certificate; have more than 300 hours total flight time and fly between 30 and 300 hours per year.
Transamerica	Preferred Plus	Private aviation available with exclusion rider up to age 70; not available ages 71+
	Preferred	Private aviation available with exclusion rider; may qualify for special no-flat rates as determined by UW
	Standard Plus	Private aviation available with exclusion rider; may qualify for special no-flat rates as determined by UW
	Standard	Private aviation available with exclusion rider; may qualify for special no-flat rates as determined by UW
Union Central	Preferred Plus	No participation in the last 5 years
	Preferred	Private pilot with less than 500 solo hrs or flies more than 250 hrs per year and doesn't fly in other than conventional aircraft
	Select	Private pilot with less than 350 solo hrs or flies more than 250 hrs per year and doesn't fly in other than conventional aircraft
United of Omaha	Preferred	No flying as a private pilot or crewmember unless aviation exclusion
West Coast Life	Select Preferred	No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted except in New Jersey and North Dakota; for ages 71+ : available with exclusion rider except in New Jersey and ND
West Coast Life	Preferred	No private pilot or participant in aviation activities-pilot and crew on regularly scheduled passenger flights on major airlines are acceptable if not engaged in any other flying activities-exclusions permitted except in New Jersey and North Dakota; for ages 71+ : available with exclusion rider except in New Jersey and ND

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