It’s a sometimes painful truth of aviation: If you want something done right you need to go to an expert. That goes for finding the right technician for the type of airplane you own, getting flight instruction in backcountry flying or buying life insurance.
For pilots seeking life insurance the scenario is a familiar one—you finally realize that the odds are overwhelming that you’re mortal. After allowing that concept to sink in for a few days, you talk with the insurance agent who got you the package deal on your house and car and who tells you that getting life insurance will be no big deal. The agent also tells you that the annual premium for $1 million coverage will be, let’s say, $2,000.