Life Insurance For Police Officers

Police officers and law enforcement have the important job of protecting the public and enforcing the law.

This type of occupation carries additional risk, which can make obtaining a life insurance policy a little more difficult or expensive.

The good news is that, despite this logic, police officers can secure an affordable and comprehensive life insurance policy.

Here is what you need to know about various types of coverage.

Police Officers’ Life Cover From Claybrooke – Quick Quote Form

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Do police officers have life insurance? Diagram

Types Of Life Insurance Policies For Police Officers

Although police officers are often considered to be in a high-risk occupation, they can secure a life insurance policy without going through any hoops.

Many insurance providers offer life insurance policies to police officers with standard terms and normal premium payments.

Even though applying for life insurance is simple, ensure you are upfront about any overseas travel you may be undertaking as part of your occupation.

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Not fully disclosing this type of information could mean an insurance claim down the road will be denied.

Income Protection Options for Police Officers

Unfortunately, there are no Long-Term Income Protection policies available for law enforcement personnel at this time.

This includes individuals in occupations such as police officers, special constables, and community support officers.

Some insurance providers offer a short-term income protection policy.

This type of policy would help provide financial protection in the event of an accident or illness that prevents you from working.

Short-term policies usually remain in effect for 12 to 24 months and should become active when employer-provided sick pay ends.

Critical Illness Cover Policies for Police Officers

Critical illness cover policies are often accepted by insurance providers at standard terms, with regular monthly premium payments, similar to life insurance policies.

Again, it is important to disclose any information requested by the insurance provider in full, including travel abroad information, to ensure that any insurance claim that should happen will not be invalidated.

If you need more information on critical illness cover or help filing an application, Claybrooke’s knowledgeable team is here to assist you.

Helpful external resources:

Police Care UK