Can Cops Get Life Insurance? [Yes, and Cheaper Than You Think]

I used to work law enforcement myself. Yes, it’s been years, but I still understand the unknowns and questions officers may have when it comes to purchasing life insurance. I’ve even seen a specific question online that I knew immediately I needed to answer.

Can Cops Get Life Insurance

Can cops get life insurance? After originally working law enforcement for 6 years and now having many years in the life insurance and financial services industry under my belt, here is what I can tell you on this topic.

So, can cops get life insurance? Yes, cops can get life insurance. Cops can get life insurance the same as any other consumer can purchase life insurance. In some high-risk situations, it’s possible you are assessed a flat extra charge for life insurance coverage. No other stipulations apply to coverage.

That’s incredible news, right? Well, hopefully and I’m sure you are also concerned and have questions about what I was referring to when I mentioned the flat extra charge that some police or law enforcement officers can often encounter when purchasing life insurance.

First and foremost, let me start by stating that if you stick around for 2-3 minutes, you will have the answers you need.

Secondly, if you want to get to more specific information about obtaining life insurance in various sectors of law enforcement, be sure to visit my post that details on a broad scope what the process looks like when applying for life insurance as a police officer.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

You can do this easily by using our rate engine directly below.


It’s also imperative to me personally that I don’t leave any first responders in the dark on this question so if you are a firefighter or a more unique or specialized law enforcement officer, you can also view my post specifically detailing the life insurance process for law enforcement and firefighter personal by using the blue link a few words back.

It will detail everything you need to know about applying for life insurance as a firefighter, police officer or other law enforcement professional.

If it was me, whether you read this entire post or not, I’d highly recommend you stop by both of those post at one point or another before moving back into your daily routines. Each post has specific details that may tailor directly to you and help you through this process.

Why Police Officers, Firefighters and Law Enforcement Have A False Belief About Life Insurance

A lot of police officers feel as if that if they apply, they would be considered high risk life insurance and not be approved for coverage.

Nothing could be further from the truth.

Don’t let that previous sentence confuse you. What it should state or the point I’m attempting to get across is that police officers, firefighters and all first responders have this misled and 100% false belief that they can’t obtain life insurance and if they can, it will simply cost too much.

This is 100% false information; I have no clue where it was stemmed from and it’s simply not true. I’m assuming it’s a common-sense false belief that takes over because all of us who have worked this job in the past understand the daily dangers that law enforcement and first responders face every day.

This makes sense to me and I’ve lived that life and worked the job as well. It makes sense that you may believe a life insurance company wants nothing to do with you and I get the confusion.

However, it’s a belief that needs to be squashed and I’ve helped hundreds of law enforcement officers secure life insurance at cheaper rates than the average “Joe”.

It’s Highly Unlikely A Life Insurance Company Will Hold Your Profession Against You

I’m not talking about USAA either when I’m discussing your approval chances. In fact, being the independent broker, I am in 50 states, I highly advise against using captive life insurance companies like USAA for your coverage If at all possible.

It’s only giving you one chance at approval and putting you in the corner when it comes to price. It’s always much wiser to shop over 50 life insurance companies at the same time to leave all options on the table.

Ultimately, as a law enforcement officer, this is how you are going to achieve the cheapest overall rates on your life insurance.

However, in case you don’t believe me, feel free to read my full review on USAA Life Insurance here. It still tells you the good and the bad about the company.

I just highly recommend using someone offering all companies and not just one.

Anyways, let’s get back on track and clear up all the confusion about applying for life insurance as a police officer.

Your Chances of Approval at Great Rates Are Very High

Again, you need to drop the prior belief that being approved for life insurance as a police officer is going to be a huge challenge.  In all reality, it’s likely to be completely irrelevant that you are a police officer. The same stipulations will apply to your life insurance that apply for everyone in the same situation.

Your health will be the biggest consideration. This is what is going to make or break your chances of ultimately being approved for life insurance whether you are a cop or not.

Questions such as the following will show up during the application process and are the biggest factors that the life insurance company will be evaluating.

  • Family History of Heart Attack, Stroke or Cancer?
  • Currently a Tobacco User?
  • Are You Considered Overweight or Obese?
  • Do You Currently Take Any Medications?
  • Have You Been Hospitalized in The Past 5 Years for Any Health Conditions?

These questions in addition to a few more specific questions are ultimately what drives your prices up or down when purchasing life insurance. As far as your current position in law enforcement, it’s likely to have no impact on your approval chances.

The Rare Exception to Approvals for Life Insurance as A Cop

A few exceptions may apply where you can be approved for life insurance as a cop, but you may have to either have exclusions inside of the life insurance contract or be forced to pay what’s known as a “flat extra fee”.

Some of these situations could apply to police helicopter pilots or specialty positions within law enforcement where your chances of death in the line of duty are even greater than a typical shift work or patrol officer.

If this is the case, it’s not the end of the world. Your family being provided for if something did god forbid happen to you is the most important thing that needs to be running through your mind when shopping for life insurance.

No Matter What, We Have Your Back and Will Get the Job Done

Regardless what city you currently work for or even your current health conditions, we are used to the scenario and want to help. We specialize in these types of life insurance cases and have handled it hundreds of times in the past.

It can be scary but the most effective way for you to navigate the life insurance is to use an independent agency such as Good Life Protection to do the legwork for you. We will shop your case with over 50 of the top-rated life insurance companies that you are already familiar with and trust.

If you don’t’ believe us, give it a try by filling out the instant quote form to begin comparing your own rates at no cost. Look at the options and when necessary we are happy to jump in and provide the guidance needed to get your family protected.

Final Word, Life Insurance as A Cop is 100% Possible

I wanted to re-emphasize the main point and theme of this post one more time. Can cops get life insurance?

Absolutely. At much cheaper rates than you likely believe is possible. We are only 1 email or call away and want to help. Keep your family’s protection top of mind and get the protection you all deserve in place as soon as possible.

You can’t put a price on peace of mind and that’s what life insurance is designed to provide. So, what are you going to do about it?

FILED UNDER – HIGH RISK LIFE INSURANCE / OCCUPATION