One can only imagine how much the loading would be if you told them you were flying helicopters in Nigeria these days (see what’s new in West Africa thread).
I was also faced with trying to get life insurance a good few years ago and when I finally got a quote and read the accompanying small print it did not cover any of the items that were responsible for the loading of the premium in the first place. Called up the broker and he tried to get any sense out of this by calling the insurance provider but they had no explanation except for take it or leave it attitude. Suffice to say I send them packing!
If you are a recreational pilot you might find some of the ads in the different pilot magazines for insurance policies.
Greetings
Finalchecksplease