Life insurance for police officers can give you peace of mind and financial security should something go wrong. You can also select how much you want to be covered for, so you know you'll be leaving your family with enough to pay off mortgages, loans and other debts.
Yes. But the type of life insurance you can get will depend on the type of police work you do and whether or not you are considered high-risk. Generally, though, life insurance is available to most police officers and shouldn't come with any special conditions.
That doesn't mean that your premiums won't be more expensive than other jobs, because being a police officer is considered to be more high-risk than other occupations. Your premiums will increase the more high-risk your job becomes.
| Occupation | Rating |
|---|---|
| Police – air wing or bomb disposal | Non-insurable |
| Police – other – officers including motorcycle police or special operations group | Non-insurable |
| Police – special operations group | Non-insurable |
| Police – dog squad | High risk |
| Police – superintendents | White collar |
| Railway worker – railway police, shunter, track laying or maintenance | High risk |
| Diving – professional, military (no bomb disposal) or police | Non-insurable |
Fortunately, there are a few different insurance types out there which can provide financial peace of mind if you're a police officer. These include:
It's definitely worth having if you want to have enough money to pay off all your debts and allow your family to continue having the same quality of life that you provided them with when you were alive. You will probably also find that any work benefit or "group protection" plan that you are currently enrolled in isn't enough to do this. While there's no one-size-fits-all answer to how much life insurance you need, it's recommended that you have at least 10 times your annual salary.
You may be covered for death, illness and disability without insurance through WorkCover. Workers compensation is provided by employers and can pay police officers a benefit if they get sick or injured from a work-related cause. In some cases, it can also provide disability benefits, death benefits and missed wage replacement.
However, the workers compensation that you are entitled to can differ depending on when you joined the police force and what state you work in. Unlike life and income protection insurance, there is also no guarantee that it will be enough to cover all your debts and expenses. Some other rules you should be aware of include:
Police officers will generally find it hard to get covered by life insurance if they work in any of the following areas:
If your job is classified as high risk, your premiums are likely to be more expensive. High-risk roles can include the following:
These aren't the only factors that can prevent you from getting cheap life insurance. Other important things that can affect the price of your premiums include:
You pay the same price as buying directly from the life insurer.
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As a police officer, you put your health and safety on the line every day at work. While it may be normal for you, there are some risks you simply can't legislate for and there are people that depend on you. If you want to get life insurance, you can compare policies and buy it here.
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