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The Indian Air Force
Para Military Forces

Coast Guards
Special Forces etc

Underwriters have to take into account special mortality or

morbidity risk that occurs during:

✓Bomb disposal
✓Combat injury

✓Arms and ammunition handling

✓Operation in areas of civil or political instability etc

b) Aviation

I) Mortality or morbidity risk due to crash landing

ii) Mortality or morbidity risk due to terrorist attack

1. Pilots

Highly skilled training is required for an individual to become a pilot.

✓Commercial airline pilots

✓Pilots who fly helicopters

✓Pilots of technologically advanced aircrafts

Underwriters need to consider several factors for assassin the risks
associated with pilots, such as:

✓No. of hours of training

✓License

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