I am with Sun Alliance £150,000 South of England no loading 25 year term , joint life both non smokers.
All I can say is shop around it is NOT normal for insurance companies to load for a commercial pilot....or is there something your not telling us? for example do you do any aerobatic flying?
The only other factor to take into account is the amount, a cool quarter of a mil may get an underwriters pulse beating!The other thing you could do is try and take out 2 policies for £125,000 each with different companies.
I would go back to what I said earlier DO NOT EXCEPT the loading it is NOT normal!