Army Warrant Officer Insurance Guide: WO1 Through CW5

Insurance Priorities for Army Warrant Officers

Army warrant officers - especially aviation warrant officers (15-series) - face unique insurance challenges. SGLI covers all causes of death but private life insurance carriers often include aviation exclusions or charge significant premiums for rotary-wing pilots. Understanding which private carriers will cover you during flight duty is essential.

Grades Covered

Aviation Life Insurance Considerations

Standard private life insurance policies often exclude deaths resulting from piloting an aircraft "not operated by a commercial airline." This means if you die while piloting a military helicopter, a standard civilian term policy may not pay out.

However, SGLI covers all causes of death including aviation accidents with no exclusions. This makes SGLI especially valuable for aviation warrant officers. The key issue is coverage amount - many aviation WOs with significant assets and dependents need more than $500K.

Military-approved aviation coverage options:

• AAFMAA: Specifically covers military aviation personnel without exclusions - up to $800K
• USAA: Covers military aviation with specific endorsements - check policy language carefully
• AFBA/5Star: Military specialty carrier with aviation-aware underwriting

Warrant Officer Coverage Portfolio