All Pilots

Group Life Insurance Why Do I Need Group Life Insurance? If you have anyone who depends on your income, you need life insurance. It can take care of your dependents' financial needs even if you're not around. Your family can use the benefits to help: provide a continuous source of income assure your children's higher education pay off the mortgage on your house settle any other outstanding debts pay for final expenses These days, when so many families depend on two incomes to make ends meet, the need for insurance on both wage earners is more important than ever. And even if one spouse is a homemaker, replacing child and home care services takes money as well. What If I Already Have Some Life Insurance? Then you understand how important this kind of protection really is. But you may want to take another look at how much coverage you have. Your needs may have changed since you first bought that policy. For example, your income, personal debt or family size may have increased. If you have group life insurance at work, then you know the value of group buying power. But have you thought about what happens to that coverage when you leave the company, or start your own business? Chances are, if you don't lose it altogether, you'll pay a much higher rate to keep that protection. Save Three Ways with ReliaStar Life Insurance Company: As an FAA Licensed Pilot and a member of the Aviation Health Association, you have the opportunity to enroll in a special group term life program and realize savings in three important ways: Term insurance offers the most protection at an economical cost. You get ReliaStar’s economical group rates as an FAA Licensed Pilot, and a member of the Aviation Health Association. You can get the similarly economical rates on coverage for your spouse and children. The Aviation Health Association Term Life Plan Includes More Special Features: Waiver of Premium - if you become totally disabled before age 60, (as defined in the certificate), and the disability continues for more than 9 (nine) consecutive months, you won't have to pay the premiums for as long as the disability lasts and your coverage otherwise remains in effect. No Cancellation For ill Health - once your coverage takes effect, you cannot be canceled due to a change in your health. Conversion Privilege - if your coverage is terminated, conversion to an individual whole life policy is allowed without proof of good health. 30 Day Free Look - you have 30 days to look over your plan of insurance and discuss it with your family and advisors. If for any reason you're not satisfied, you may return your certificate within 30 days of receipt for a full refund. Continue to Your Plan of Benefits