Updated: October 15, 2019

Life Insurance for Police Officers

Police officers usually need specialist advice to get the right life insurance policy. Read on to find out how to get the very best cover available

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 15, 2019

One of the factors that can affect what type of life insurance you’re offered is your occupation. Some jobs, including working for the police are considered more high-risk than others and if that’s the case, you may find that some providers offer you non-standard terms or charge higher premiums to offset the risk.

In this article we cover the common questions that police employees have when it comes to taking out life insurance, covering the following topics:

If you’re a police officer and want to get the best available deal on a life insurance policy, save time, hassle and money by talking to one of the expert advisors we work with.

All the advisors we work with are independent with access to insurance providers across the entire UK. They have the knowledge and the tools to find you the best police life insurance policy to meet your needs for the best available price.

Call 0808 189 0463 or make an enquiry for a free, no obligation chat.

Can I take out police life insurance?

As a police officer you may already have some form of insurance cover as part of your benefits package. However, it may not offer the full benefits of life insurance which includes taking care of your family and dependents when you die by paying them a lump sum cash payment. Furthermore, when you leave the force you may no longer be covered.

That’s why many police officers look to take out life insurance. There are providers that specialise in offering police life insurance and it’s advisable to go with them as they can offer life insurance deals specific to your needs.

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Does police life insurance cost more?

Typically speaking, working for the police is considered a high-risk occupation and the higher the risk perceived by an insurance company, the more likely they are to charge a higher, non-standard premium.

Because not all insurance providers will view the risk in the same light, it’s important to shop around for quotes, or better yet, have a whole-of-market expert do this for you.

It’s also worth noting that assessments are done in the same way as if you were applying for life insurance as a member of the general public. A provider will still want to know your age, your state of health, your smoking and drinking habits and any existing illnesses you may have.

The advisors we work with know which insurance providers offer the best life insurance policies to police officers and can save you time by gathering quotes and ensuring you get the best policy at the right price.

What types of police life insurance policies are available?

There are many types of life insurance available and as a police officer there are ‘special life insurance’ policies available to you, which in addition to life insurance benefits include critical illness cover and income protection.

It’s also possible to  have these additional insurance protection policies as separate add-ons to your life insurance cover.

Do the terms of police life insurance change depending on my role?

Levels of risk vary according to the role you have in the police force.

For example, the activities carried out by special constables, police officers and community support officers vary. This may have an impact on what premium rate you’re offered. If your role is considered to be a more low risk role, you may be offered standard rates of life insurance.

The best way to find out what life insurance you’ll be offered is to speak to an expert who understands the needs of police officers. Call 0808 189 0463 or make an enquiry and we’ll match you with an advisor experienced in arranging life insurance for police officers.

Can I take out life insurance when I retire from the police?

You will still be eligible for life insurance once you’ve retired.

However, the older you are, the higher the premium for most types of life insurance. You may find that a different type of insurance is better suited to your needs such as whole life insurance for seniors.

Before you make a major financial decision like this it’s recommended that you speak with an independent financial advisor, like the ones we work with. They’ll be able to explain all the options available to you.

Will I receive a payout if I get injured at work?

Life insurance is paid out on your death; if you get injured you won’t receive any payment from your life insurance. If this is a concern of yours then consider taking out accident insurance.

A second option is to look at income protection as you may be able to receive payments while you’re injured and are unable to work.

Can I also take out critical life insurance?

Critical life cover can be added onto your life insurance and usually at a standard rate.

However, you must disclose what’s involved in your job to the provider, otherwise you may find some things aren’t covered. For example if you travel abroad in your job you need to tell them otherwise if you have an accident abroad the cover may not be included.

Providers will also enquire about your health – if you smoke or drink alcohol you’ll need to let them know: your policy may become void if they find out later.

Speak to an expert about life insurance for police

Due to the specialist nature of working for the police, we recommend that you speak to an expert who is familiar with police life insurance. They’ll be able to answer any questions you have and will help you get the best deal for you

Give Online Money Advisor a call on 0808 189 0463 or make an enquiry and let us do all the hard work in finding the specialist with the right expertise for your circumstances. We don’t charge a fee and there’s absolutely no obligation.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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