Its quite true that if you've had life insurance for donkey's years and *then* take up aviation the major insurers maintain cover with no loading.
When I took up aviation as a PPL eight years ago my two kids were at a pretty expensive stage in their lives so I needed extra cover.
At that time *aviation as a non fare paying passenger* was excluded from most life policies so took out a life policy via the UK APOA Wings scheme.(quite cheap: under 40GBP per month for GBP100k)
All was well until last week when out of the blue I got a letter from Norwich Union who had apparently in 1999 taken over the London & Edinburgh Insurance Co which was underwriting the AOPA scheme to tell me that the scheme was being discontinued and that my cover will cease at 00.01 hours on June 30th!
So don't rely on AOPA UK for your cover: they knew nothing about it when I rang them.
Looks like I'll be ringing the guy at soveriegn on Tuesday as well.
Happy (and safe) flying
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Cusco