Talk to Russ Stein. Nice bloke and very knowledgeable and very importantly....also a pilot!
I took out about half a million cover for me and the wife - joint policy, so if one of us bites the dust the other gets the pay out. Up to age of 65 (24 year term), flying included up to 100/150 hrs pa plus flying around in helicopters as part of my job, and the premium is about £70 per month fixed.