Zlin 526:
IFA's are here to help - we can shop around to get you the most competitive products in the market - and because we are aware of the ways different life offices look at individual "risks" we can definitely help you.
The reason they want to know about where you fly is because (I am not an expert on underwriting risk) there may be a greater risk for someone flying their mates microlight out of a farmers field than say someone flying a club aircraft out a licensed aerodrome with fire/emergency facilities to hand. Do you see what I am getting at.
As for us making money out of your misfortunes - ask the widows and orphans!
PFO