Risk of Mooney flying vs Ultralights

[RobertGary1]

Just renewed my term life insurance with USAA. As always they have a whole questionnaire on the type of flying you do, number of hours, etc. Of course adding the flying increased my rate. When I asked the underwriter if removing ultralights would change the premium she said "No, the M20 flying is what increased your rate". 

So there you go, presumably all backed by actuary data.

 

-Robert

[201er]

1 minute ago, RobertGary1 said:

Just renewed my term life insurance with USAA. As always they have a whole questionnaire on the type of flying you do, number of hours, etc. Of course adding the flying increased my rate. When I asked the underwriter if removing ultralights would change the premium she said "No, the M20 flying is what increased your rate". 

So there you go, presumably all backed by actuary data.

Cause if you break your legs with ultralights, they're not paying.

[thinwing]

i just have to LOL...40 years of flying and only injuries Ive suffered were from 2 ulta light engine failures in a row....those things have zilch glide ratio...i mean when the engine quits..you point the nose down at your feet....dont like all the obstructions,barb wire fences,ditches ,boulders etc...close your eyes cause the view isnt getting any better.USAA doesnt have any actuarial data on ultralight death and injuries cause im betting they are not reported.

[RobertGary1]

5 minutes ago, thinwing said:

i just have to LOL...40 years of flying and only injuries Ive suffered were from 2 ulta light engine failures in a row....those things have zilch glide ratio...i mean when the engine quits..you point the nose down at your feet....dont like all the obstructions,barb wire fences,ditches ,boulders etc...close your eyes cause the view isnt getting any better.USAA doesnt have any actuarial data on ultralight death and injuries cause im betting they are not reported.

My ultra light doesn’t have a nose but it’s top speed is 25mph so hopefully I can’t get in much trouble. 

[Niko182]

10 minutes ago, RobertGary1 said:

My ultra light doesn’t have a nose but it’s top speed is 25mph so hopefully I can’t get in much trouble. 

just barely fast enough to kill you

[RobertGary1]

5 minutes ago, Niko182 said:

just barely fast enough to kill you

Lightly killed. 

[Hank]

26 minutes ago, Niko182 said:

just barely fast enough to kill you

I thought that was the Piper Cub.

[MooneyMitch]

On 11/30/2021 at 2:46 PM, RobertGary1 said:

Just renewed my term life insurance with USAA. As always they have a whole questionnaire on the type of flying you do, number of hours, etc. Of course adding the flying increased my rate. When I asked the underwriter if removing ultralights would change the premium she said "No, the M20 flying is what increased your rate". 

So there you go, presumably all backed by actuary data.

 

-Robert

Where do people [such as USAA] come up with such garbage? 

[Hank]

29 minutes ago, MooneyMitch said:

Where do people [such as USAA] come up with such garbage? 

Many life insurance policies exclude general aviation sources from payouts . . . .

[Warren Dunes]

2 hours ago, RobertGary1 said:

Lightly killed. 

and then sealed in a succulent Swiss quintuple smooth treble cream milk chocolate envelope and lovingly frosted with glucose.

[Warren Dunes]

1 hour ago, MooneyMitch said:

Where do people [such as USAA] come up with such garbage? 

My guess, as stated by 201er above, is that they won't pay out on accidents involving non-certified aircraft (ultralights). 

[RobertGary1]

1 hour ago, Warren Dunes said:

My guess, as stated by 201er above, is that they won't pay out on accidents involving non-certified aircraft (ultralights). 

Nope. I’m covered and it’s declared in my policy. Cost a bit more but usaa does cover aviation. Actually cost be double from their initial non-aviation quote. 

[RobertGary1]

2 hours ago, Hank said:

Many life insurance policies exclude general aviation sources from payouts . . . .

It all depends on how much you pay. Usaa doesn’t add aviation for free. 

[Hank]

18 minutes ago, RobertGary1 said:

It all depends on how much you pay. Usaa doesn’t add aviation for free. 

And they won't insure my Mooney or my boat. Life insurance came through father-in-law before I started flying, so no problem there. It was a question they asked, though, and things would have changed if I'd started within the first two years of purchase.