Thanks G-TTIC
Totally agree with your comments about being able to earn as much on the ground as flying etc and that, along with another reason or two is why no one seems to offer the product. Clearly the expense involved to get to the front end does warrant a policy and that is where we all focus.
However, the one I am proposing is not as broad as a pilots and is specifically aimed to financially assist if one is unable to fly as a result of certain criteria which will affect your life in a major way. Having a "minor" sickness that stops one flying but would not affect one in a normal ground job will not result in a claim: having to stop flying due to a life changing condition will.
Only time will tell if it is of benefit.