You run toward danger for a living. Make sure your family is protected no matter what the job throws at you. Independent coverage that follows you, even into retirement, from an agent who knows which carriers do not penalize law enforcement.
Life insurance for police officers is not one-size-fits-all. The right carrier matters more than anything.
Law enforcement is rated a hazardous occupation by some carriers, which means a few will charge more or decline. Many will not, and knowing which is the whole game. As an independent broker I place officers with the carriers that underwrite law enforcement fairly, so your job does not inflate your rate.
Your department's group life policy is usually small, often one or two times salary, and you lose it the day you leave or retire. The federal Public Safety Officers Benefits program only pays for a line-of-duty death, not an off-duty death or an illness, and most officer deaths are not line-of-duty. Your pension survivor benefit is often reduced too. A personal policy fills every one of those gaps and it is yours for good. 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 police 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.
It can with the wrong carrier, because some treat law enforcement as a hazardous occupation. With the right carrier it does not. I shop the companies that underwrite officers fairly so your job is not held against you.
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.