One of the most dangerous jobs in public safety, and one of the most overlooked. Protect your family with independent coverage from an agent who knows which carriers underwrite corrections fairly.
Life insurance for corrections officers is not one-size-fits-all. The right carrier matters more than anything.
Corrections officers face high rates of assault, injury, and chronic stress, and some carriers treat the role as hazardous. Others do not. Placing you with the right carrier is the difference between a fair rate and an inflated one, and that is what an independent broker does.
State group coverage is usually modest and ends when you leave. Pension survivor benefits are often reduced, and the federal Public Safety Officers Benefits program only pays for a line-of-duty death. A personal policy covers your family for any cause and stays with you into retirement, no matter what happens to your employment. You can read how the federal Public Safety Officers Benefits program defines a covered death, and you will see why most families still need a personal policy.
A quick call about your job, your family, and your budget. No pressure, no jargon.
I compare A-rated carriers that underwrite corrections officers fairly and bring you the best fit and rate.
We file together. Many approve fast, several with no medical exam, with coverage in place within days.
Yes. Some carriers rate corrections as hazardous and some do not. I shop the carriers that underwrite the job fairly so your line of work does not unfairly raise your premium.
Usually not. Group coverage through your employer is typically small and you lose it when you leave or retire, and federal line-of-duty benefits only pay for a duty death, not an off-duty death or an illness. A personal policy covers your family for any cause and stays with you for life.
Often no. Many carriers offer no-exam coverage that approves with a few health questions, sometimes the same week. We compare exam and no-exam options to find your best rate.
A short, no-pressure quote built around your job and your family. See coverage for other first responders on our first responders page, or explore life insurance options for families.