Both of these can be true: * Pilots have lower risk of death than the general population (because of health requirements and general wealthiness) * A person w

Both of these can be true: * Pilots have lower risk of death than the general population (because of health requirements and general wealthiness) * A person who decides to become a pilot has a higher risk of death than if they didn't (because a lot of private pilots crash) How becoming a pilot affects life insurance is based on the second, not the first.