Police offices and law enforcement have the important job of protecting the public and enforcing the laws.
This type of occupation comes with added risk, sometimes making obtaining a life insurance policy 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.
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 placing a life insurance application with an insurance provider is simple, ensure you are upfront about any overseas travel you may be doing as part of your occupation.
Click To Compare QuotesNot 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 those in law enforcement at this time.
This includes individuals whose occupations include police officers, special constables, and community support officers.
What some insurance providers will offer is 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.