All I can say is that whenever I try to get any kind of insurance and I mention that I am a helicopter pilot, the insurance guy either vanishes or gives me a price quote as high as the sky.
When I flew Beechjets (fixed wing) for a fractional ownership program, I had no problems or unusual prices for my life or medical insurance.
I'm guessing insurance companies know something I don't about safety of helicopters vs. airplanes.