AOPA Pilot Magazine - August 2018 - 85

annual flight review, or flying with a second qualified pilot.
WHAT YOU CAN DO

So, what can older pilots do? The temptation may be to take your business
elsewhere and shop around for a lower
price. But Bowman said that may expose
pilots to more difficulty.
"Don't start switching from one company to another to save $100 here and
there," he said. Carriers are more likely to
insure older pilots who are existing clients
than first-time customers. A claims-free
track record with the company helps your
case, and they're more likely to look at you
in terms of your lifetime value as a customer. So, a company might deny a new
customer over age 80, but allow an existing customer to continue with certain
restrictions.
If insurance-imposed restrictions
sound draconian, Bowman pointed out that
most pilots adjust their flying voluntarily
as they age. And policies aren't static; they
change depending on a carrier's recent
experience and other factors.
Pilots aren't just numbers on an actuarial table; aviation insurance companies
consider your risk individually. So put your
best foot forward. The more you can do to
lower your own risk-and prove it-the
more comfortable the insurance company
will be with insuring you. In some cases,
that's a win-win: Insurers' desire for proof
of recent experience is as good an excuse
as any to fly more. In other cases, it may
involve some honest self-assessment and
potentially accepting certain limitations
on your flying.
The AOPA Insurance Agency compiled
these tips and suggestions from insurance
carriers to help pilots to mitigate cost and
obtain and retain insurance:
* Maintain proficiency and be able to
document it. Hours flown in the past 12
months can be a better predictor of insurance risk than total hours. Stay current
and proficient, and be sure to update your
hours when your broker calls you for your
renewal information.
* Get regular, frequent training. Go beyond
the regulatory minimum by participating
in an annual recurrent training program

such as an annual flight review or instrument proficiency check, or Air Safety
Institute and FAA WINGS training programs; type-specific training is preferred.
Many companies offer accident forgiveness for pilots who participate in qualified
AOPA training events.
* Get a second opinion. The best way to
evaluate your current flying proficiency
for insurance is to undergo a thorough
flight review with a CFI in the type of aircraft you are insuring. A flight review in a
Cessna 172 may not give an accurate picture of the pilot's ability to be flying her
Bonanza, so a flight review in the Bonanza
would offer the most accurate evaluation
of the pilot's current capabilities. And, the
fact that a CFI must sign off on a review
provides a measure of confidence that the
review is unbiased and objective.
* Don't let your medical qualifications
lapse. If your medical certificate lapses by
choice or circumstance, notify your broker
immediately. In some cases, you can continue flying with a qualified safety pilot
with proper coordination. (Some companies accept BasicMed regardless of age,
viewing the BasicMed exam as a comprehensive health checkup. And, most
companies feel that successful completion of an annual flight review is a better
assessment of a pilot's fitness to fly than is
a medical exam.)
* Consider flying with a safety pilot. Every
pilot is responsible for his or her own
self-assessment before flight. The AOPA
Air Safety Institute's Aging Gracefully,
Flying Safely Safety Advisor (www.
airsafetyinstitute.org/safetyadvisors/
aging) outlines physical and mental
changes that could affect pilots' flying as
they age, as well as strategies for continuing to fly safely. Age-related changes may
call for an update to your personal minimums, taking shorter flights, or flying in
the morning when you're less prone to
fatigue. For some pilots, flying safely means
having another qualified pilot on board.
* Choose an appropriate aircraft. If you
are flying a complex or high-performance aircraft, consider stepping down
to a slower, fixed-gear aircraft. Fixed-gear
aircraft are cheaper to insure for all ages.
And, some companies may require annual
www.aopa.org/pilot AOPA PILOT | 85

IT'S
YOUR
CHOICE
THE 2020 FAA MANDATE
DOES NOT REQUIRE
PILOTS TO USE
ADS-B WEATHER

CHOOSE SIRIUSXM,
OR ADS-B WEATHER,
OR BOTH!

2-MONTH TRIAL offer at
AOPA.org/SiriusXM

SiriusXM sells subscription services that automatically
renew and bill at the then-current rates until you call
1-800-985-9200 to cancel. Fees and taxes apply.
See complete terms at siriusxm.com.


http://www.airsafetyinstitute.org/safetyadvisors/aging http://www.airsafetyinstitute.org/safetyadvisors/aging http://www.airsafetyinstitute.org/safetyadvisors/aging http://www.AOPA.org/SiriusXM http://www.siriusxm.com http://www.aopa.org/pilot

AOPA Pilot Magazine - August 2018

Table of Contents for the Digital Edition of AOPA Pilot Magazine - August 2018

Contents
AOPA Pilot Magazine - August 2018 - Intro
AOPA Pilot Magazine - August 2018 - Cover1
AOPA Pilot Magazine - August 2018 - Cover2
AOPA Pilot Magazine - August 2018 - Contents
AOPA Pilot Magazine - August 2018 - 2
AOPA Pilot Magazine - August 2018 - 3
AOPA Pilot Magazine - August 2018 - 4
AOPA Pilot Magazine - August 2018 - 5
AOPA Pilot Magazine - August 2018 - 6
AOPA Pilot Magazine - August 2018 - 7
AOPA Pilot Magazine - August 2018 - 8
AOPA Pilot Magazine - August 2018 - 9
AOPA Pilot Magazine - August 2018 - 10
AOPA Pilot Magazine - August 2018 - 11
AOPA Pilot Magazine - August 2018 - 12
AOPA Pilot Magazine - August 2018 - 13
AOPA Pilot Magazine - August 2018 - 14
AOPA Pilot Magazine - August 2018 - 15
AOPA Pilot Magazine - August 2018 - 16
AOPA Pilot Magazine - August 2018 - 17
AOPA Pilot Magazine - August 2018 - 18
AOPA Pilot Magazine - August 2018 - 19
AOPA Pilot Magazine - August 2018 - 20
AOPA Pilot Magazine - August 2018 - 21
AOPA Pilot Magazine - August 2018 - 22
AOPA Pilot Magazine - August 2018 - 23
AOPA Pilot Magazine - August 2018 - 24
AOPA Pilot Magazine - August 2018 - 25
AOPA Pilot Magazine - August 2018 - 26
AOPA Pilot Magazine - August 2018 - 27
AOPA Pilot Magazine - August 2018 - 28
AOPA Pilot Magazine - August 2018 - 29
AOPA Pilot Magazine - August 2018 - 30
AOPA Pilot Magazine - August 2018 - 31
AOPA Pilot Magazine - August 2018 - 32
AOPA Pilot Magazine - August 2018 - 33
AOPA Pilot Magazine - August 2018 - 34
AOPA Pilot Magazine - August 2018 - 35
AOPA Pilot Magazine - August 2018 - 36
AOPA Pilot Magazine - August 2018 - 37
AOPA Pilot Magazine - August 2018 - 38
AOPA Pilot Magazine - August 2018 - 39
AOPA Pilot Magazine - August 2018 - 40
AOPA Pilot Magazine - August 2018 - 41
AOPA Pilot Magazine - August 2018 - 42
AOPA Pilot Magazine - August 2018 - 43
AOPA Pilot Magazine - August 2018 - 44
AOPA Pilot Magazine - August 2018 - 45
AOPA Pilot Magazine - August 2018 - 46
AOPA Pilot Magazine - August 2018 - 47
AOPA Pilot Magazine - August 2018 - 48
AOPA Pilot Magazine - August 2018 - R-1
AOPA Pilot Magazine - August 2018 - R-2
AOPA Pilot Magazine - August 2018 - R-3
AOPA Pilot Magazine - August 2018 - R-4
AOPA Pilot Magazine - August 2018 - R-5
AOPA Pilot Magazine - August 2018 - R-6
AOPA Pilot Magazine - August 2018 - R-7
AOPA Pilot Magazine - August 2018 - R-8
AOPA Pilot Magazine - August 2018 - 49
AOPA Pilot Magazine - August 2018 - 50
AOPA Pilot Magazine - August 2018 - 51
AOPA Pilot Magazine - August 2018 - 52
AOPA Pilot Magazine - August 2018 - 53
AOPA Pilot Magazine - August 2018 - 54
AOPA Pilot Magazine - August 2018 - 55
AOPA Pilot Magazine - August 2018 - 56
AOPA Pilot Magazine - August 2018 - 57
AOPA Pilot Magazine - August 2018 - 58
AOPA Pilot Magazine - August 2018 - 59
AOPA Pilot Magazine - August 2018 - 60
AOPA Pilot Magazine - August 2018 - 61
AOPA Pilot Magazine - August 2018 - 62
AOPA Pilot Magazine - August 2018 - 63
AOPA Pilot Magazine - August 2018 - 64
AOPA Pilot Magazine - August 2018 - 65
AOPA Pilot Magazine - August 2018 - 66
AOPA Pilot Magazine - August 2018 - 67
AOPA Pilot Magazine - August 2018 - 68
AOPA Pilot Magazine - August 2018 - 69
AOPA Pilot Magazine - August 2018 - 70
AOPA Pilot Magazine - August 2018 - 71
AOPA Pilot Magazine - August 2018 - 72
AOPA Pilot Magazine - August 2018 - 73
AOPA Pilot Magazine - August 2018 - 74
AOPA Pilot Magazine - August 2018 - 75
AOPA Pilot Magazine - August 2018 - 76
AOPA Pilot Magazine - August 2018 - 77
AOPA Pilot Magazine - August 2018 - 78
AOPA Pilot Magazine - August 2018 - 79
AOPA Pilot Magazine - August 2018 - 80
AOPA Pilot Magazine - August 2018 - 81
AOPA Pilot Magazine - August 2018 - 82
AOPA Pilot Magazine - August 2018 - 83
AOPA Pilot Magazine - August 2018 - 84
AOPA Pilot Magazine - August 2018 - 85
AOPA Pilot Magazine - August 2018 - 86
AOPA Pilot Magazine - August 2018 - 87
AOPA Pilot Magazine - August 2018 - 88
AOPA Pilot Magazine - August 2018 - 89
AOPA Pilot Magazine - August 2018 - 90
AOPA Pilot Magazine - August 2018 - 91
AOPA Pilot Magazine - August 2018 - 92
AOPA Pilot Magazine - August 2018 - 93
AOPA Pilot Magazine - August 2018 - 94
AOPA Pilot Magazine - August 2018 - 95
AOPA Pilot Magazine - August 2018 - 96
AOPA Pilot Magazine - August 2018 - 97
AOPA Pilot Magazine - August 2018 - 98
AOPA Pilot Magazine - August 2018 - 99
AOPA Pilot Magazine - August 2018 - 100
AOPA Pilot Magazine - August 2018 - 101
AOPA Pilot Magazine - August 2018 - 102
AOPA Pilot Magazine - August 2018 - 103
AOPA Pilot Magazine - August 2018 - 104
AOPA Pilot Magazine - August 2018 - 105
AOPA Pilot Magazine - August 2018 - 106
AOPA Pilot Magazine - August 2018 - 107
AOPA Pilot Magazine - August 2018 - 108
AOPA Pilot Magazine - August 2018 - 109
AOPA Pilot Magazine - August 2018 - 110
AOPA Pilot Magazine - August 2018 - 111
AOPA Pilot Magazine - August 2018 - 112
AOPA Pilot Magazine - August 2018 - Cover3
AOPA Pilot Magazine - August 2018 - Cover4
https://www.nxtbook.com/nxtbooks/aopa/pilot_202503
https://www.nxtbook.com/nxtbooks/aopa/pilot_202502
https://www.nxtbook.com/nxtbooks/aopa/pilot_202501
https://www.nxtbook.com/nxtbooks/aopa/pilot_202412
https://www.nxtbook.com/nxtbooks/aopa/pilot_202411
https://www.nxtbook.com/nxtbooks/aopa/pilot_202410
https://www.nxtbook.com/nxtbooks/aopa/pilot_202409
https://www.nxtbook.com/nxtbooks/aopa/pilot_202408
https://www.nxtbook.com/nxtbooks/aopa/pilot_202407
https://www.nxtbook.com/nxtbooks/aopa/pilot_202406
https://www.nxtbook.com/nxtbooks/aopa/pilot_202405
https://www.nxtbook.com/nxtbooks/aopa/pilot_202404
https://www.nxtbook.com/nxtbooks/aopa/pilot_202403
https://www.nxtbook.com/nxtbooks/aopa/pilot_202402
https://www.nxtbook.com/nxtbooks/aopa/pilot_202401
https://www.nxtbook.com/nxtbooks/aopa/pilot_202312
https://www.nxtbook.com/nxtbooks/aopa/pilot_202311
https://www.nxtbook.com/nxtbooks/aopa/pilot_202310
https://www.nxtbook.com/nxtbooks/aopa/pilot_202309
https://www.nxtbook.com/nxtbooks/aopa/pilot_202308
https://www.nxtbook.com/nxtbooks/aopa/pilot_202307
https://www.nxtbook.com/nxtbooks/aopa/pilot_202306
https://www.nxtbook.com/nxtbooks/aopa/pilot_202305
https://www.nxtbook.com/nxtbooks/aopa/pilot_202304
https://www.nxtbook.com/nxtbooks/aopa/pilot_202303
https://www.nxtbook.com/nxtbooks/aopa/pilot_202302
https://www.nxtbook.com/nxtbooks/aopa/pilot_202301
https://www.nxtbook.com/nxtbooks/aopa/pilot_202212
https://www.nxtbook.com/nxtbooks/aopa/pilot_202211
https://www.nxtbook.com/nxtbooks/aopa/pilot_202210
https://www.nxtbook.com/nxtbooks/aopa/pilot_202209
https://www.nxtbook.com/nxtbooks/aopa/pilot_202208
https://www.nxtbook.com/nxtbooks/aopa/pilot_202207
https://www.nxtbook.com/nxtbooks/aopa/pilot_202206
https://www.nxtbook.com/nxtbooks/aopa/pilot_202205
https://www.nxtbook.com/nxtbooks/aopa/pilot_202204
https://www.nxtbook.com/nxtbooks/aopa/pilot_202203
https://www.nxtbook.com/nxtbooks/aopa/pilot_202202
https://www.nxtbook.com/nxtbooks/aopa/pilot_202201
https://www.nxtbook.com/nxtbooks/aopa/pilot_202112
https://www.nxtbook.com/nxtbooks/aopa/pilot_202111
https://www.nxtbook.com/nxtbooks/aopa/pilot_202110
https://www.nxtbook.com/nxtbooks/aopa/pilot_202109
https://www.nxtbook.com/nxtbooks/aopa/pilot_202108
https://www.nxtbook.com/nxtbooks/aopa/pilot_202107
https://www.nxtbook.com/nxtbooks/aopa/pilot_202106
https://www.nxtbook.com/nxtbooks/aopa/pilot_202105
https://www.nxtbook.com/nxtbooks/aopa/pilot_202104
https://www.nxtbook.com/nxtbooks/aopa/pilot_202103
https://www.nxtbook.com/nxtbooks/aopa/pilot_202102
https://www.nxtbook.com/nxtbooks/aopa/pilot_202101
https://www.nxtbook.com/nxtbooks/aopa/pilot_202012
https://www.nxtbook.com/nxtbooks/aopa/pilot_202011
https://www.nxtbook.com/nxtbooks/aopa/pilot_202010
https://www.nxtbook.com/nxtbooks/aopa/pilot_202009
https://www.nxtbook.com/nxtbooks/aopa/pilot_202008
https://www.nxtbook.com/nxtbooks/aopa/pilot_202007
https://www.nxtbook.com/nxtbooks/aopa/pilot_202006
https://www.nxtbook.com/nxtbooks/aopa/pilot_202005
https://www.nxtbook.com/nxtbooks/aopa/pilot_202004
https://www.nxtbook.com/nxtbooks/aopa/pilot_202003
https://www.nxtbook.com/nxtbooks/aopa/pilot_202002
https://www.nxtbook.com/nxtbooks/aopa/pilot_202001
https://www.nxtbook.com/nxtbooks/aopa/pilot_201912
https://www.nxtbook.com/nxtbooks/aopa/pilot_201911
https://www.nxtbook.com/nxtbooks/aopa/pilot_201910
https://www.nxtbook.com/nxtbooks/aopa/pilot_201909
https://www.nxtbook.com/nxtbooks/aopa/pilot_201908
https://www.nxtbook.com/nxtbooks/aopa/pilot_201907
https://www.nxtbook.com/nxtbooks/aopa/pilot_201906
https://www.nxtbook.com/nxtbooks/aopa/pilot_201905
https://www.nxtbook.com/nxtbooks/aopa/pilot_201904
https://www.nxtbook.com/nxtbooks/aopa/pilot_201903
https://www.nxtbook.com/nxtbooks/aopa/pilot_201902
https://www.nxtbook.com/nxtbooks/aopa/pilot_201901
https://www.nxtbook.com/nxtbooks/aopa/pilot_201812
https://www.nxtbook.com/nxtbooks/aopa/pilot_201811
https://www.nxtbook.com/nxtbooks/aopa/pilot_201810
https://www.nxtbook.com/nxtbooks/aopa/pilot_201809
https://www.nxtbook.com/nxtbooks/aopa/pilot_201808
https://www.nxtbook.com/nxtbooks/aopa/pilot_201807
https://www.nxtbook.com/nxtbooks/aopa/pilot_201806
https://www.nxtbook.com/nxtbooks/aopa/pilot_201805
https://www.nxtbook.com/nxtbooks/aopa/pilot_201804
https://www.nxtbook.com/nxtbooks/aopa/pilot_201803
https://www.nxtbook.com/nxtbooks/aopa/pilot_201802
https://www.nxtbook.com/nxtbooks/aopa/pilot_201801
https://www.nxtbook.com/nxtbooks/aopa/pilot_201712
https://www.nxtbook.com/nxtbooks/aopa/pilot_201711
https://www.nxtbook.com/nxtbooks/aopa/pilot_201710
https://www.nxtbook.com/nxtbooks/aopa/pilot_201709
https://www.nxtbook.com/nxtbooks/aopa/pilot_201708
https://www.nxtbook.com/nxtbooks/aopa/pilot_201707
https://www.nxtbook.com/nxtbooks/aopa/pilot_201706
https://www.nxtbook.com/nxtbooks/aopa/pilot_201705
https://www.nxtbook.com/nxtbooks/aopa/pilot_201704
https://www.nxtbook.com/nxtbooks/aopa/pilot_201703
https://www.nxtbook.com/nxtbooks/aopa/pilot_201702
https://www.nxtbook.com/nxtbooks/aopa/pilot_201701
https://www.nxtbook.com/nxtbooks/aopa/pilot_201612
https://www.nxtbook.com/nxtbooks/aopa/pilot_201611
https://www.nxtbook.com/nxtbooks/aopa/pilot_201610
https://www.nxtbook.com/nxtbooks/aopa/pilot_201609
https://www.nxtbook.com/nxtbooks/aopa/pilot_201608
https://www.nxtbook.com/nxtbooks/aopa/pilot_201607
https://www.nxtbook.com/nxtbooks/aopa/pilot_201606
https://www.nxtbook.com/nxtbooks/aopa/pilot_201605
https://www.nxtbook.com/nxtbooks/aopa/pilot_201604
https://www.nxtbook.com/nxtbooks/aopa/pilot_201603
https://www.nxtbook.com/nxtbooks/aopa/pilot_201602
https://www.nxtbook.com/nxtbooks/aopa/pilot_201601
https://www.nxtbook.com/nxtbooks/aopa/pilot_201512
https://www.nxtbook.com/nxtbooks/aopa/pilot_201511
https://www.nxtbook.com/nxtbooks/aopa/pilot_201510
https://www.nxtbook.com/nxtbooks/aopa/pilot_201509
https://www.nxtbook.com/nxtbooks/aopa/pilot_201508
https://www.nxtbook.com/nxtbooks/aopa/pilot_201507
https://www.nxtbook.com/nxtbooks/aopa/pilot_201506
https://www.nxtbook.com/nxtbooks/aopa/pilot_201505
https://www.nxtbook.com/nxtbooks/aopa/pilot_201504
https://www.nxtbook.com/nxtbooks/aopa/pilot_201503
https://www.nxtbook.com/nxtbooks/aopa/pilot_201502
https://www.nxtbook.com/nxtbooks/aopa/pilot_201501
https://www.nxtbook.com/nxtbooks/aopa/pilot_201412
https://www.nxtbook.com/nxtbooks/aopa/pilot_201411
https://www.nxtbook.com/nxtbooks/aopa/pilot_201410
https://www.nxtbook.com/nxtbooks/aopa/pilot_201409
https://www.nxtbook.com/nxtbooks/aopa/pilot_201408
https://www.nxtbook.com/nxtbooks/aopa/pilot_201407
https://www.nxtbook.com/nxtbooks/aopa/pilot_201406
https://www.nxtbook.com/nxtbooks/aopa/pilot_201405
https://www.nxtbook.com/nxtbooks/aopa/pilot_201404
https://www.nxtbook.com/nxtbooks/aopa/pilot_201403
https://www.nxtbook.com/nxtbooks/aopa/pilot_201402
https://www.nxtbook.com/nxtbooks/aopa/pilot_201401
https://www.nxtbook.com/nxtbooks/aopa/pilot_201312
https://www.nxtbook.com/nxtbooks/aopa/pilot_201311
https://www.nxtbook.com/nxtbooks/aopa/pilot_201310
https://www.nxtbook.com/nxtbooks/aopa/pilot_201309
https://www.nxtbook.com/nxtbooks/aopa/pilot_201308
https://www.nxtbook.com/nxtbooks/aopa/pilot_201307
https://www.nxtbook.com/nxtbooks/aopa/pilot_201306
https://www.nxtbook.com/nxtbooks/aopa/pilot_201305
https://www.nxtbook.com/nxtbooks/aopa/pilot_201304
https://www.nxtbook.com/nxtbooks/aopa/pilot_201303
https://www.nxtbook.com/nxtbooks/aopa/pilot_201302
https://www.nxtbook.com/nxtbooks/aopa/pilot_201301
https://www.nxtbook.com/nxtbooks/aopa/pilot_201212
https://www.nxtbook.com/nxtbooks/aopa/pilot_201211
https://www.nxtbook.com/nxtbooks/aopa/pilot_201210
https://www.nxtbook.com/nxtbooks/aopa/pilot_201209
https://www.nxtbook.com/nxtbooks/aopa/pilot_201208
https://www.nxtbook.com/nxtbooks/aopa/pilot_201207
https://www.nxtbook.com/nxtbooks/aopa/pilot_201206
https://www.nxtbook.com/nxtbooks/aopa/pilot_201205
https://www.nxtbook.com/nxtbooks/aopa/pilot_201204
https://www.nxtbook.com/nxtbooks/aopa/pilot_201203
https://www.nxtbook.com/nxtbooks/aopa/pilot_201202
https://www.nxtbook.com/nxtbooks/aopa/pilot_201201
https://www.nxtbook.com/nxtbooks/aopa/pilot_201112
https://www.nxtbook.com/nxtbooks/aopa/pilot_201111
https://www.nxtbook.com/nxtbooks/aopa/pilot_201110
https://www.nxtbook.com/nxtbooks/aopa/pilot_201109
https://www.nxtbook.com/nxtbooks/aopa/pilot_201108
https://www.nxtbook.com/nxtbooks/aopa/pilot_201107
https://www.nxtbook.com/nxtbooks/aopa/pilot_201106
https://www.nxtbook.com/nxtbooks/aopa/pilot_201105
https://www.nxtbook.com/nxtbooks/aopa/pilot_201104
https://www.nxtbook.com/nxtbooks/aopa/pilot_201103
https://www.nxtbook.com/nxtbooks/aopa/pilot_201103_test
https://www.nxtbook.com/nxtbooks/aopa/pilot_201102
https://www.nxtbook.com/nxtbooks/aopa/pilot_201011demo
https://www.nxtbook.com/nxtbooks/aopa/pilot_201011
https://www.nxtbook.com/nxtbooks/aopa/pilot0308
https://www.nxtbookmedia.com