Student aviation and aviation for pay usually require an extra premium. For all aviation risks, please submit an Aviation Questionnaire (LUC-16).

Private aviation is normally standard after a pilot completes 100 hours of flying time. Those with less experience, or high exposure, will be rated. Indicate the following on the application for clients who have engaged in private aviation activities in the past two years: total hours of experience, including the annual flight hours in the past year, one to two years ago, and the amount anticipated for the next year.

RATE SCHEDULE FOR PRIVATE PILOTS AND CREW MEMBERS (NOT FLYING FOR PAY)
Student pilots or pilots with less than 100 hours of solo flying experience: $3.00 per thousand extra premium ($3.00/1000).

Private pilots-over 100 solo hours flying for pleasure and/or business:

• Flying up to 300 hours annually:    Standard
• Flying 301 to 500 hours annually:    $3.50/1000
• Flying over 500 hours annually:    $5.00/1000
• An extra rating may be charged if flying less than 10 hours per year.

These guidelines apply to the recreational diver only. Commercial divers usually require an extra premium rating. Please submit a Sports Questionnaire, Symetra form LUC-8 with the application.

Very few occupations are ratable. Symetra strives to provide full coverage at standard rates whenever possible. Some of the occupations we still rate, due to the excess mortality associated with the duties performed are:

• Coal Miners
• Bartenders
• Bomb Disposal Crew (other police and law enforcement officers are standard);
• Some fishers
• Lumber Industry-blasters, shooters, others handling explosives, workers climbing and felling trees, workers in woods, on roads and waterways

Military or Armed Forces
Symetra is able to insure most members of the military who are not assigned to hazardous duties beginning with pay grade E-5 and up. For maximum issue limits, please contact a Symetra Underwriter.