Aerohopper
I fly less than 100 hours a year now. There are specialist brokers out there who negotiate deals for pilots without a penalty for flying.
The problem I found was that as soon as I mentioned the medication I take, the premiums shot up. My medication is fully accepted for flying, no problems with the authorities.
I have not gone with an aviation broker for my life insurance, I have gone with one who found me the best deal based on my mediation. Adding flying increased the premium but nowhere near as much as my medication did with the others.
Bob