When your career is in the sky, your protection needs to be grounded.

23% of aviation professionals face career-impacting medical issues before retirement.

35% of pilots and flight crew lack adequate disability coverage beyond employer-provided benefits.

Nearly 45% of injuries and accidents involving aviation professionals occur outside of flight duty, where employer coverage often does not apply.

1 in 5 aviation workers is underinsured, leaving significant income gaps if they are grounded.

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Aviation professionals — from pilots to flight attendants to mechanics — are often classified as high risk by traditional carriers. Employer or union coverage may exist, but it’s usually limited, excludes off-duty incidents, or caps benefits far below actual income levels. Many workers are denied full coverage outright due to occupational risk.

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Why is Coverage Important?

Your license, training, and ability to perform in aviation are your most valuable assets. If an illness, injury, or accident sidelines you, your financial stability and career trajectory are at risk. Supplemental coverage ensures your lifestyle, family, and future remain secure.

Tailored protection for pilots, flight attendants, air traffic controllers, and ground crew.

High-limit income protection designed to cover true earnings potential.

Supplemental products that fill the gaps left by airline or employer-provided plans.

Access to specialty carriers willing to insure aviation professionals that traditional markets reject.

A modern, AI-powered process that speeds up applications and reduces underwriting back-and-forth.

How WAIN Helps

For Pilots

Loss of License Disability Insurance is a specialized income protection policy designed for pilots and flight crew. If illness or injury causes you to lose your FAA medical certification and therefore your license to fly this coverage provides financial benefits to replace lost income.

This is not intended to be a complete outline of coverage. Actual wording may change without notice. Underwriters reserve the right to modify terms and conditions at time of underwriting.

For Flight Crew

High-Limit Income Protection:

Short Term Disability: Temporary income replacement, typically for 3 to 6 months. Covers expenses during a medical leave.

Long Term Disability: Extended benefits set to begin after short-term disability ends for claims lasting longer than six months, providing income replacement for 2, 5, or 10 years or up to age 65–67, depending on the policy.

Life Insurance:

10-30 Year Term Life: Flexible protection for families and financial planning with affordable premiums
Guaranteed Universal Life (Permanent): Locks in permanent coverage and a guaranteed death benefit so you don’t have to reapply later.
Accidental Death & Dismemberment (AD&D): Provides additional benefit if death or a qualifying injury results from a covered accident—an added layer of protection for those working in higher-risk environments.