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Oh.. I see - With text it's hard to sense the sarcasm, but I definitely get it now.. I promise that I'm not that much of a dumb, dumb.:)

Exactly, if you're truthful on the application and you're dealing with a reputable insurance carrier (usually AM Best rated A or better), you don't have a problem - When I said "find out after the fact that your family isn't taken care of", I was referring to someone who overtly lies on the...

It really depends.. If you're not planning on flying anytime in the future and can answer the question truthfully, then it won't be a problem, regardless of whether or not you currently hold a pilots license. On the application, most carriers will ask whether you currently hold a pilots...

Agreed. Unless of course you're one of the very few fortunate people whose net worth exceeds the federal estate tax exemption (currently $5.43MM per spouse as of 2015), and are going to be facing a very large estate tax liability, upon passing. Not a very common problem, but life insurance held...

Wow, you must have not gotten charged a flat extra, which is great news. The insurance carrier will typically base their decision on experience, hours, etc. The important thing to remember is that not all carriers have the same underwriting guidelines, so per usual, it's always best to shop...

Yes, if they find out that there was misrepresentation, then the insurance carrier will deny the claim, and refund all unearned premiums to your beneficiary(ies).

I am a life/disability insurance broker located in Southern California, who also deals within all 50 states. I can tell you that you are covered, so long as you were truthful on your application, and that you weren't piloting at the time, or didn't plan on piloting at the time you took out your...