I think most "group" insurance policies like the one I have through work
cover everything as they do not ask any questions about hobbies, etc.  I
reckon they figure that the "couch potatoes" will wash with the "extreme
sport" group.

On the other hand, the policies that I have obtained on my own (outside of
work) always ask the flying question, and yes, in my experience there is a
substantial premium increase for coverage.  As such, I have one without
flying coverage (I am more likely to get killed driving to the airport than
flying) and one with flying coverage through EAA (they cover experimental
flying obviously) and, of course, the one through work (3 policies total).
The benefit of this approach is that if I'm in-between jobs I will still be
covered with something for all aspects of my life (i.e., flying and
non-flying).

Dana Westphal
L2K-165