Life Insurance for Police Officers

Securing life insurance for police officers is not difficult. In fact, most officers are already insured through work place policies. The problem is these law enforcement life insurance policies are usually not enough.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 21, 2022

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Quick Facts

  • Police officers face a lot of risk a normal person does not, many officers think that this risk would make their life insurance unaffordable
  • Most police officers are offered some sort of life insurance benefit through their job, but are unaware that it may not cover everything
  • Some insurance providers even offer police officers discounts

Police officers have a tough job. One that often puts them in high-risk situations. As a result, many police officers think they can’t afford life insurance. However, this is simply not true.

In many cases, rates for life insurance for a police officer are comparable to rates that average civilians pay. The truth is, many police officers are underinsured. They mainly rely on their police life officer life insurance benefits. This may not be enough.

Enter your ZIP code and start comparing  life insurance rates for police officers today. Don’t wait to make sure you and your family are fully covered.

Why Life Insurance is Crucial for Police Officers

Police officers work hard to protect us. They often face risky and life-threatening situations. While some areas are more dangerous than others, police officers die on the job.

In fact, police officers have a 3.5 in 100,000 chance of dying on the job according to statistics from the Bureau of Labor Statistics. This makes the profession one of the top 10 most dangerous jobs in the country.

Routine traffic stops can turn dangerous in the blink of an eye. Here are the leading causes of death on the job for law enforcement officers:

  • Gunshot
  • Traffic accident
  • Job related illnesses (heart attacks, etc)

Despite the risks associated with the job, the life insurance rates for police officers is in line with what private citizens pay.

Is law enforcement insurance enough?

Police officers are offered life insurance coverage through their employers. As a result, many law enforcement officers believe that they do not need additional coverage.

Under typical law enforcement insurance plans provided by employers, surviving family members are only provided with two to four years of salary as a benefit. Additionally, this benefit may change depending on whether the officer died on the job or not.

Many law enforcement life insurance policies are not portable. Meaning, when you leave the force, you lose your life insurance coverage. To find out the specifics of your life insurance coverage, speak with your employer.

How much life insurance should a police officer have?

Many life insurance experts believe that you need to have a life insurance policy that is roughly seven to 10 times your annual salary. You have to figure more costs than just providing for your family. You will also want to leave them money for:

  • the mortgage
  • college tuition
  • final expenses
  • pet care
  • any outstanding debt you have

Look closely at how much life insurance you are given through work, and then see how much more you should add.

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GEICO Law Enforcement Discount

GEICO is one of many companies that provides affordable life insurance for police officers, including discounts. This is their way of giving back to the people who serve our communities so bravely.

Ask your insurance provider if they offer discounts for law enforcement officers. This will help you make a final decision as you shop around for the best life insurance rates.

Law Enforcement Life Insurance Rates

Yes, being a cop is a risky profession, but some officers work more high-risk positions than others. For example, SWAT teams and bomb squads are put into very dangerous situations that most other officers are not.

Your overall health and lifestyle choices are going to factor into your life insurance rates just as much as being a police officer will. Depending on how your health is and other factors, you could get a very good rating and rate for your life insurance.

When you are ready to add coverage to your law enforcement insurance policy, enter your ZIP code below and start comparing life insurance rates.

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