Airline pilots have a specialist job and they have to pass regular medical exams. If they were ever unable to do their job through illness or accident, they have a unique set of skills, and might not be able to walk immediately into another job that provides them an equivalent salary. This could quickly reduce the amount of income coming into the household, and severely reduce their ability to service large debts i.e. mortgage, flying training. This makes insurance against these events of paramount importance for airline pilots.

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