Life Insurance for Police Officers

Life insurance for police officers is not more expensive than for other occupations. Although most police departments offer life insurance to officers, it may not be enough coverage to meet your needs. Compare life insurance quotes for police officers to find the cheapest rates for the type of coverage you need.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 2, 2021

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The Rundown

  • Life insurance rates for police officers are not any higher than normal
  • There are many types of insurance for police officers available
  • Insurance companies will have additional questions for officers when they apply for coverage

Law enforcement is a risky occupation. Because of the nature of the job, police officers have a much higher chance of being injured or killed. Most police departments offer officers some sort of life insurance, but it may not be enough to offer your family the support you want.

The good news is that life insurance for police officers isn’t any more expensive than for other people. Most life insurance companies for police officers don’t charge more just because of your profession.

However, you should shop around before you buy life insurance for police officers to make sure you are getting the best deal available. Every company will offer different rates so comparison shopping is a must.

Enter your ZIP code now to compare multiple life insurance quotes for police officers from companies near you for free.

Is life insurance for police officers more expensive?

According to the FBI, there were 89 police officers killed in the line of duty in 2019. With the current climate in the U.S., those numbers are on the rise.

Although sometimes your occupation can raise your life insurance rates, that isn’t the case for police officers.

However, companies may ask you some additional questions before offering law enforcement insurance policies. Don’t surprised if you are asked questions about your specific role as a police officer, what training you have, and even where you are on duty.

Other factors, such as your age, medical history, and even your hobbies, can influence your life insurance rates. Rates are cheapest for non-smoking younger people with no existing medical conditions who don’t engage in dangerous hobbies like skydiving.

If you don’t fall into those categories, don’t worry. There are many life insurance companies out there that will offer coverage, but it might come at a higher price.

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What types of life insurance are available for police officers?

Depending on your stage of life, the life insurance offered through your department might not be enough. If you want to allow your family to pay off your mortgage or pay for college tuition, you might need to add more coverage.

The main types of life insurance available are:

  • Term life insurance- This is generally the most affordable coverage. The downside is that it is only in effect for a certain period of time. Once that time period is over, you will have to buy a new policy at a higher rate.
  • Permanent life insurance- This type of coverage has more expensive rates, but they are generally locked in for your entire life as long as you make your payments. Some times of permanent life insurance earn cash value and then allow you to withdraw the increased amount.
  • No medical exam life insurance – If you don’t think you can pass a medical exam, this type of coverage is for you. Keep in mind that rates will be much higher since insurance companies can’t confirm that you are healthy.

No matter what type of cover you choose, you want to find the most affordable life insurance for police officers out there. Shop around and compare rates to see which company can offer you the best deal.

Enter your ZIP code to compare free life insurance quotes for police officers today.

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