I have LTI on 75% of my ships, almost exactly. I sincerely hope that LTI does not get preferential treatment in insurance claims, that would go a little too far. All it's supposed to be about is the insurance premium is paid, but not the deductible. I don't want a large class of privileged users in SC, because that would mean that there is a limited pool of new players, and that is a death sentence for the game. This perk needs to be very small and have no noticeable impact on other players.I think there are potentially 2 penalties for not having insurance --> the extra "premium" penalty, and the (not mentioned, but hypothesized by me) "Time" penalty.
We already know that some ships will take longer to replace than others (i.e., an Aurora is plentiful in the universe, so should get replaced very quickly, vs. a Hammerhead or 890J, which will be rarer in the universe, and could potentially take longer -- much longer -- to replace).
Will people with LTI go to the head of the line? Who knows...but, it does seem clear that CR wants to have a cost to things (in terms of risk/reward) and he doesn't want people abusing the system by doing stupid things (repeatedly).
My opinion is, LTI was a horrible mistake that should have been given out only to the very first backers if anyone. It unfortunately continued... and I shake my head every time I think about it.