Any existing life cover ( level term or decreasing term assurance) WILL almost certainly cover you for aviation risk provided. (1) You declared you were flying ..if you were...when you completed the application. or (2) You weren't flying..or imminently starting.
In the case of (1) some insurers will load the premium. This depends on hours experience , hours flown p.a. and types flown.
There are some weird anomalies. I have had ATPL's with 14000 hours on big jets where some insurers want to load for flying 50hs per annum recreationally in a piper.... I have also had NPPL(m) students or parasailers where some providers are quire happy to accept at standard rates to 75hs or beyond p.a..
'On topic' ,we can secure standard rates for the vast majority of JAR PPL/ NPPL students.
It really is a horses for courses game.
Income protection can be trickier as most providers seem to take the view that disablement / injury is more of a risk than death if you prang in. I dont have the stats so can't comment on how accurate that assumption is .
Even with income protection its often possible to secure standard rates though.
Serious illness / critical illness protection often comes as a package with term assurance. As a general rule , if the life cover isn't loaded then you'll be covered for aviation related claims within the plan. However , if the premium is loaded then the reverse is true. There are some exceptions though.
I would add that the info above is based on underwriting positions adopted by insurers operating in the UK market ..(my market)...- Things could be different in ROI / near Europe etc..
I think forum protocol is such that mentioning my company here is inappropriate but google the product type you want and add 'for pilots' and I'm sure you'll find us.- alternatively pm me - be glad to help..... Russ