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5×5 Launches U.S. Aviation Insurance — No Age Limits
New Minneapolis underwriter 5×5 is selling aviation insurance direct to owners — and it says pilot age won’t be an automatic disqualifier.
5×5 Aviation Insurance has rolled out direct-to-consumer aviation insurance for high-end, owner-flown aircraft in the United States, initially offering policies in Arizona, Delaware, Georgia, Illinois, and Virginia. The Minneapolis-based startup positions itself as an alternative to legacy carriers by dropping blanket age cutoffs and underwriting based on experience and safety instead of arbitrary limits.
CEO Troy Kopischke and Chief Underwriter Jeff Rhodes are leading the effort. They say the product focuses on tailoring coverage to the aircraft and pilot profile, with safety-focused risk assessment rather than an automatic age-based decline. The firm targets owner-flown turboprops and light business jets — high-value general aviation (GA) assets that often face restrictive underwriting rules.
Aviation insurance that judges skill, not age
Instead of excluding pilots by age, 5×5 reviews logbooks, proficiency checks, and recent flight activity to determine eligibility. That approach aligns underwriting with demonstrated piloting competence and maintenance culture, the company says, rather than using a single numeric threshold to decide coverage.
- What’s different: 5×5’s aviation insurance evaluates experience, recent hours, and safety practices — not just pilot age.
The initial state rollout is part of a controlled expansion: 5×5 plans to scale from the five-state launch to offer coverage across all 48 contiguous U.S. states within roughly a year. The carrier is currently focused on owner-flown aircraft rather than multi-pilot corporate fleets, and emphasizes clear policy terms for hull, liability, and pilot coverage tailored to higher-value GA airplanes.
For pilots and aircraft owners who’ve struggled to find coverage because of age-based cutoffs, 5×5’s model could widen options and encourage more nuanced, safety-first underwriting in the U.S. private aviation market. Kopischke and Rhodes say they expect feedback from early customers to shape product refinements as the service expands nationwide.
