My life insurance policy is desiring "a statement that I only intend to land on improved non-remote landing sites". I live in Alaska. I wish to answer in such a way as to not jeopardize my policy or the price thereof, and yet I am going to land on these sites. Any suggestions?
How to answer Life Insurance Question
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Jim Logajan
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Welcome to PoA.
If they don't define "remote" (remote from what point?) or "improved" then you can weasel it I suppose. As you word it, it also seems to ask for a statement of current intent about future actions, not a contractually binding promise on your future actions.
The bigger question is - why are you purchasing life insurance at all?
Keep in mind that when it comes time for the payout it wont be you having to litigate the insurance company for non-payment because you violated a contractual obligation. You may end up paying in for years, but when you're dead and gone your family may not see the benefit.
If they don't define "remote" (remote from what point?) or "improved" then you can weasel it I suppose. As you word it, it also seems to ask for a statement of current intent about future actions, not a contractually binding promise on your future actions.
The bigger question is - why are you purchasing life insurance at all?
Keep in mind that when it comes time for the payout it wont be you having to litigate the insurance company for non-payment because you violated a contractual obligation. You may end up paying in for years, but when you're dead and gone your family may not see the benefit.
Talk to your local agent, have that waived.
asechrest
En-Route
Ask for (or find) the policy definition of "improved" and "non-remote". If the policy does not define those terms, then a commonly-understood dictionary definition is typically used.
If you sign a statement attesting that you will do one thing and then you instead do another, typically you may jeopardize the claim response of the policy under any circumstance, not just under the circumstance for which you attested.
If you are unable to comply, I would not sign a statement that you intend to comply. I would first do as Henning suggests and ask that they waive that requirement. If they refuse to do so and are willing to lose your business completely, then this is probably not the policy for you. Whether or not a policy exists that supports your requirements is not something I have the experience to answer.
If you sign a statement attesting that you will do one thing and then you instead do another, typically you may jeopardize the claim response of the policy under any circumstance, not just under the circumstance for which you attested.
If you are unable to comply, I would not sign a statement that you intend to comply. I would first do as Henning suggests and ask that they waive that requirement. If they refuse to do so and are willing to lose your business completely, then this is probably not the policy for you. Whether or not a policy exists that supports your requirements is not something I have the experience to answer.
This is where having a good agent pays off, they take care of this stuff for you. Everything is negotiable, sometimes for a ridiculously low premium.
Zeldman
Touchdown! Greaser!
I spent a several years in Alaska. Every village I landed in was a made for airplanes landing site, therefore they were improved non-remote landing sites. Might have been short, narrow and gravel, but it was still a DOT and FAA recognized runway.
The only non improved remote sites I landed on were all considered off airport.... such as a river bank, an open field, a dirt road, private landing area, etc.
Are you planning on flying out of your own private strip?
As suggested earlier, ask for definitions and waivers.