Life Insurance for Pilots & Aviation Professionals
Secure your future with tailored life insurance solutions
The Best Life Insurance Tailored for Pilots and Aviation Professionals — Cover You Can Count On, Wherever You Fly
Get Your Free Life Insurance Quote Today!
Why Life Insurance Matters
Flying for a living can mean facing unique risks every time you step into the cockpit or onto the tarmac.
It doesn’t matter if you’re into commercial aviation, agricultural flying, flight instruction, or aircraft maintenance. Or wherever you’re located: Melbourne, Adelaide, Darwin, or some other Australian state or territory. Why? Because your work environment is anything but ordinary.
And while pilots are experts in risk management, one area often overlooked is personal risk, specifically, how your family would cope financially if you were no longer around.
Life insurance tailored for aviation professionals provides the peace of mind that your loved ones need, with the assurance of being financially supported, no matter what happens.
Getting the right type of insurance isn’t just about fearing the worst. It’s more about being responsible with the life you’ve built and may someday leave behind.
Here’s why more Australian pilots and aviation professionals are securing tailored aviation life insurance:
- Most off-the-shelf life insurance policies don’t properly account for aviation-related risks.
- Some mainstream providers apply blanket exclusions for certain aviation activities.
- If you’re self-employed or operate your own aircraft, your financial exposure, including insurance costs, may be higher.
- Dependents, mortgages, or business obligations mean your absence would have tremendous financial consequences.
- Medical issues or injuries can end a flying career before retirement age.
However, there’s no guarantee that just any pilot life insurance company can give you the peace of mind you seek.
At AGL Aviation Insurance Brokers, we help ensure your policy reflects your actual role and risk profile without inflated premiums or unnecessary, unfair exclusions.
Types of Insurance Available for You
No two aviation careers are exactly the same. That’s why we provide a range of cover options tailored to different aviation roles across the industry.
We work with Australian pilots and aviation professionals to offer insurance solutions that work as hard as you do, both in the air and on the ground.
▶ Pilot Life Insurance (Personal Cover)
Pilots often struggle to find life insurance that accurately reflects the complexities and risks of their occupation. Many are overcharged due to perceived risks or face aviation exclusions that reduce cover where it’s needed the most.
We source pilot-specific cover that:
- Doesn’t penalise you for flight hours, aircraft type, or route
- Accounts for commercial, private, or multi-role operations
- Can be structured around income protection, debt coverage, or legacy planning
Whether you fly for Qantas, work in regional air services, or operate independently, we help get you covered without compromise.
▶ Personal Life Insurance
This is your foundation policy. It’s cover that pays a lump sum to your nominated beneficiaries if you pass away or are diagnosed with a terminal illness. Ideal for aviation professionals with dependents, mortgages, or other financial obligations.
We’ll help structure your policy around:
- Cost of living in your state or territory
- Outstanding debts or loans
- Education and long-term needs of your family
- Business ownership or partnership arrangements
We’ll also explain your super-linked and retail policy options so you can choose the best structure for your circumstances.
▶ Business Life Insurance
If you own or co-own a business, such as a charter company, maintenance firm, or flight school, business life insurance protects your partners, employees, and operations.
We help with:
- Buy-sell cover for co-owners or shareholders
- Key person insurance for flight instructors, engineers, or pilots
- Loan protection cover, if your business is leveraged
Business continuity shouldn’t depend on one person. With the right kind of insurance, you can ensure that the people and operations you’ve built don’t collapse in a crisis.
▶ Employee Benefits
If you employ aviation professionals, offering group cover is a smart way to protect your team and strengthen retention. We work with aircraft maintenance facilities, operators, and training organisations to implement:
- Group life and disability insurance
- Customisable benefits for pilots, engineers, and admin teams
- Packages that meet WHS and Fair Work compliance
We’ll help you design a benefit program that fits your budget and meets your team’s needs.
Additional Protection Options
Life insurance is just one piece of your financial safety net. Aviation work—especially if physically demanding or contract-based—calls for a more layered approach.
We offer additional insurance options tailored to Australian aviation professionals:
Total & Permanent Disability (TPD) Insurance
TPD insurance provides a lump sum if you suffer an injury or illness that prevents you from ever working again. For pilots, even relatively minor medical events can end a career.
Our policies are designed to account for:
- Loss of CASA medical clearance
- Inability to perform duties in your specific aviation role
- Adaptations for commercial vs private flying
TPD cover ensures you can financially reorient your life if you’re grounded permanently.
Income Protection Insurance
An essential policy for contract pilots, instructors, or sole traders in aviation. Income protection replaces a portion of your salary if you’re unable to work due to injury or illness.
We source income protection policies that:
- Provide monthly benefits of up to 70% of your income
- Offer flexibility for waiting and benefit periods
- Can be customised for full-time, part-time, and contractor roles
Whether you’re out for a few weeks or a few months, income protection helps keep your household and business afloat.
Trauma or Critical Illness Insurance
Cover for trauma or critical illness pays a lump sum if you’re diagnosed with a serious ailment like cancer, stroke, or heart disease. Aviation professionals often have to stop working immediately during treatment, which can drastically reduce their income.
Trauma cover helps with:
- Medical and rehabilitation expenses
- Supplementing lost income
- Keeping up with loan repayments or schooling
It’s a smart backup plan that can make a major difference in high-pressure recovery periods.
Who We Help
From the hangar to the flight deck, we provide insurance solutions for aviation professionals across Australia. Whether you’re based in a capital city or a remote airstrip, we understand your needs.
We regularly work with:
Why Choose Us
We’re not just insurance brokers; we’re aviation insurance specialists.
AGL AVIATION INSURANCE BROKERS has worked closely with Australian pilots, operators, and aviation companies for years, and we understand the industry better than most.
We’ve partnered with a trusted ASX-listed company that provides customised insurance options for pilots and aviation professionals.
Here’s what sets us apart:
- Aviation-Focused Expertise: Our team understands the licensing, medical, and operational standards that define the aviation industry in Australia. We don’t just plug your details into a generic quote engine. We match you with insurers who specialise in your field.
- No Blanket Exclusions: Many retail insurers exclude aviation activity by default. We fight for policies that cover your work in full, whether you’re flying high-performance aircraft or working airside.
- Competitive Premiums for High-Risk Roles: We help keep premiums reasonable for ag pilots, charter operators, instructors, and others in non-standard roles WITHOUT SACRIFICING COVERAGE.
- Personalised Advice, Australia-Wide: Whether you’re flying out of Darwin, maintaining helicopters in Perth, or working FIFO in Queensland, we know the local context and regulations that affect your cover.
- Ongoing Support: We’ll be here long after your policy is in place. Do you need to update your cover due to job changes? Want help with a claim? You can speak to a real person at AGL Aviation who knows who you are and what you do.
We’re in the business of helping aviation professionals safeguard their future, their families, and their financial legacy with POLICIES THAT WORK IN THE REAL WORLD.
How to Get Started ?
Get a Quote From AGL
Protect yourself and your loved ones today.
Let us introduce you to the best life insurance provider for a package that’s right for your personal situation or business needs.
Get Your Free Aviation Insurance Quote Today!
Fill Out Our Form to Register Your Interest in Pilot and Aviation Life Insurance
Frequently asked questions
Aircraft Insurance Questions
In most cases, we can turn around quotes within 1 to 2 business days. More complex risks or multi-aircraft policies may take slightly longer, but we’ll keep you updated throughout the process.
Yes. We offer dedicated hangar insurance and ground risk cover for private owners, flying schools, and operators with aircraft based at Moorabbin, Essendon, Avalon, and regional strips across Victoria.
We regularly work with aircraft owners and operators in regional centres like Bendigo, Ballarat, Mildura, and Gippsland. Your cover will be made to fit your location and flying activities, regardless of how remote your base is.
Yes. If your operations cross state lines or involve international airspace (e.g., ferry flights or charters into New Zealand or Southeast Asia), we can advise you on the right policy and exclusions, and ensure you’re covered for those operations.
We do. If you’re still in training or have recently gained your licence, we can help you get affordable cover that aligns with your experience level. Training aircraft protection and instructor indemnity cover are also available.
Yes, most policies can be amended to include a temporary additional pilot, subject to underwriter approval. We’ll guide you through what information is needed which typically includes qualifications, hours, and intended use.
Absolutely. We insure operators who run mapping flights, aerial inspections, and low-level photography missions around metro Melbourne and rural zones. We’ll structure your policy around flight height, payload, and airwork scope.
Your cover won’t be voided for flying in fog or weather systems, provided you’re flying legally and within aircraft limitations. If your operations frequently involve IFR or marginal weather, let us know so we can ensure your policy is rated appropriately.
In some cases, yes. Storing your aircraft in a secure hangar (rather than on an open tie-down), maintaining a strong safety record, or completing additional pilot training may reduce your premiums over time. We’ll work with you to identify such opportunities.
Didn’t find the answers to your questions? Don’t hesitate to contact us.
