Future redundancy and protecting your Licence
 

Ladies and Gentlemen,
I am putting together a product that would offer limited Loss of Licence protection against a pilot who is made redundant. The idea is that it is purchased while employed and has a xxx months trigger period. I assume that once a pilot is laid off, their LOL cover lapses and the idea behind this policy is to protect the Licence whilst redundant but looking for employment. That is the basic idea behind the policy.
My questions are:
1) is it a half decent idea
2)(a) if yes, would you suggest the best route to offer it would be through the Unions?
(b) in the UK, for instance, is BALPA the only union or does each airline have it's own union?
Many thanks for your time and assistance
Underwriter

ps have also drafted a policy for those unfortunate enough to already be redundant but I guess that is much harder to offer!