If you read closely in most standard life insurance policies they will pay if you are a paying passenger of an air carrier flight but not a private small plane, regardless of position in the aircraft pilot or passenger. Minnesota Life sells a policy thru AOPA that covers pilots while flying small planes for competitive rates to standard companies. Most of the reason they don't provide coverage is that they have no information with which to estimate risk, so they just add an exclusion to covering and leave it at that. Check with AOPA, and I bet also EAA has representatives that know of policy choices for coverage while flying. I am covered while I fly and teach, both AD&D and life insurance thru AOPA. It really pays to be a part of AOPA. Alot of their stuff is for direct support of general aviation pilots like us.
Colin & Bev Rainey KR2(td) N96TA Sanford, FL crain...@cfl.rr.com http://kr-builder.org/Colin/index.html