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There are some people in this world who are called to serve their communities, and the world is a better place because they do. First responders often put their own needs second, sacrificing their time and sometimes their safety for their communities. We would like to thank all police officers and first responders for the hard work you do on the job every single day. We understand the risk you take for your job and appreciate your sacrifices.

Having life insurance, and making sure you have the right policy, is important no matter your occupation, marital status or the number of children you have. It is even more important for some occupations. For example, it is incredibly important for police officers and other law enforcement or first responders to have life insurance, as they are regularly asked to take risks for their jobs. As a police officer, or a police officer’s loved one, you may be concerned that it could be more difficult to obtain a life insurance policy due to this risk. You might be surprised by how easy it can actually be. Continue reading to learn more about life insurance for police officers and first responders.


Is it hard for police officers and first responders to purchase a life insurance policy?

No! And we’re sure this comes as a relief to many of you. Life insurance rates are based on, sometimes, up to 100 different factors, only one of which is your job’s general risk level. Other factors include your age, overall health, and lifestyle. So, despite what may feel like a high risk occupation, being a police officer does not hurt your opportunity to get term life insurance protection.

The Low Cost Life Insurance team understands the risks you take each day to do your job. We want to assure you, we are well versed in helping first responders find the right policy for your needs and your budget. Being a police officer or first responder is a high-stress job that includes plenty of risks, and it is important for you to have term life insurance to protect your family in the event of an untimely death.


Do police officers and first responders pay more for life insurance?

Insurance companies actually compete for police officers’ business, which helps drive rates down nationwide. This helps police officers get good rates on their policies. As a police officer, your rates will primarily be determined based on your age and health history, just as it would be for a regular civilian. 

What type of insurance should police officers and first responders have?

A term life policy is the most affordable type of life insurance for income replacement, which makes it a very common option for police officers and first responders. Law enforcement officers are typically offered a group insurance policy through their employer, like many other employed individuals, but the amount of coverage is generally not enough. Especially if you have a family and own a house, you need to ensure you have the proper amount of coverage (10 times your annual income).

If you choose to take part in your employer’s policy, make sure you supplement it with an adequate amount of term life policy to better protect your family and your assets. This is an easy and affordable way to take care of your family. 


Reach out to the team at Low Cost Life Insurance

The team at Low Cost Life Insurance is here to help you with any and every question you have regarding your insurance policy.  If you have questions about a policy or if you’d like to begin discussing your insurance needs, please call at 1-877-794-TERM (8376) or visit our website. We look forward to speaking with you soon.