Law Enforcement Risk Factors – Top 8 Risk Factors Explained

Life Insurance for All First Responders

8 Risk Factors That May Impact Life Insurance Rates For Police, Fire and Other First Responders

Is life insurance more expensive for police officers or other first responders? Possibly but it could be just as cheap as anyone else. We will get to that.

Maybe it’s not even for police but another occupation in the field of law enforcement such as corrections or even first responders such as firefighters.

What are the Life Insurance Risk Factors For Law Enforcement Officers and First Responders?

Life Insurance for for police and other personnel can be a bit tricky at times. It is obvious that law enforcement officers face heavy risk every tour they perform. It could be the non law-abiding citizens who have no respect for society. Lastly, It may be the individual who operates the vehicle under the influence. These individuals put everyone at risk by getting behind the wheel of the vehicle.

What is often overlooked is a select group of other risks.

The average person may not even consider these factors. However, the life insurance company does.

This is when life insurance for police officers can get a little tricky.

They may not be an immediate danger, but statistics show you should not take them any less seriously. These risks are more life-threatening for officers than all other risk combined. Over the course of time, they can have lasting effects and cause permanent damage. Damage to one’s health and mental state.

They can also impact a law enforcement officer’s ability to protect their own family. What are these risk factors? What issues may they cause when looking at life insurance rates? This blog will give you some insight into these questions and how to handle them.

Most importantly, you should gain knowledge on how to navigate your life insurance purchase.

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 by using our rate engine directly below.

Law Enforcement Risk Factors #1

Alcohol Abuse

life insurance for police officers, 2 officers drinking alcohol

Everyone can admit law enforcement professionals face some form of stress on a typical night’s work. What most do not take into consideration is how they deal with this stress.

This comes back to bite you.

This is also when life insurance for police officers can get more pricey.

Let’s look at a study from 2010.

11% of male law enforcement officers and 16% of female officers consumed alcohol to a level which deems them high risk.

Let’s think about this for a second. This is back in 2010. Law enforcement professionals have only been dealing with higher levels of stress since the Ferguson case back in 2012. Law enforcement officers are the center of social media and digital recordings. They are on constant watch by the media and public. It is becoming tough to even perform the basic job functions.

At least without a lingering fear of losing one’s job and livelihood. I am not justifying the use of alcohol under these circumstances. I am pointing out that trends most likely say that this will continue to rise. Alcohol abuse can leave lasting effects mentally and physically. This will hinder the ability to get life insurance in the future.

The mere fact you are drinking alcohol to a certain degree could hinder the ability to buy life insurance. This is not including some of the lasting damage it could cause. Serious health issues that alcohol could cause could be many issues. Let’s break down some of the short-term risks alcohol can cause for an individual.

life insurance for police officers, the risk alcohol adds to life insurance

Short Term Health Concerns of Alcohol Abuse

  • Chance of personal injury or motor vehicle accident resulting in possible death
  • Increased likelihood of personal violence or risky personal behavior
  • Alcohol poisoning or high B.A.C levels
  • Risky sexual behaviors which could lead to a variety of health-related concerns

Long-Term Health Concerns of Alcohol Abuse

How will this change your ability to gain life insurance coverage for your family?

We won’t go into a ton of depth on this now. Life insurance underwriters will take all of these conditions or impairments seriously. Over consumption of alcohol can even lead to a complete decline. It all depends on the circumstances. Have transparency with your life insurance agent.

A brief overview of what insurance underwriters will look at.

For a more in-depth look at how alcohol abuse can change your life insurance for police officers. 

Risk Factors for Police Officers #2

Drug Abuse

Life Insurance Risk Factors For Law Enforcement Officers and drug abuse.

This one is much more of a gray area to discuss. It is, however, a known issue and something worth mentioning. It seems hypocritical to envision law enforcement being substance abusers. I mean, it is part of the job description to get the drugs off the streets.

Yet, most health concerns law enforcement officers face are related to stress. Attempting to bury emotions, prior trauma, or family struggles can be dangerous. The shift work is tough, I know from experience. It can leave families in tough spots. Often it takes years to even be able to gain a weekend day off in law enforcement.

Again, I am not condoning turning to alcohol or other substance abuse methods. Truth told some officers turn to this because it releases immediate gratification. This tends to further push down other underlying symptoms. It does prove to be a fast relief to the everyday struggles law enforcement face daily. Especially compared to other alternatives.

Common Reasons Substance Abuse and Alcohol Abuse Occur In Law Enforcement

Side Note- Life Insurance for police officers can be impacted greatly if PTSD is also involved.

No one reading this can say this wouldn’t leave a bad taste in any of our mouths. It would be tough to deal with and drugs are one-way law enforcement officers deal with these issues. The stressful recollections of events that occurred prior prove to cause lingering issues.

Common Forms of Substance Abuse in Law Enforcement Officers

  • Alcohol
  • Painkillers
  • Steroid Abuse

How Will this change your ability to get life insurance coverage?

None of the 8 risk factors we are discussing am I going to go into extreme depth on this specific blog post. Each risk factor you can view more on its individual guide listed. But I will cover each of the risk factors we discuss.

Drug abuse is also taken very seriously by underwriters and life insurance carriers. Again, the following are the most common ways underwriters will view the risk.

  • Time since last completed treatment?
  • Current drug use?
  • Which form of drug did you abuse?
  • Was it Marijuana?

*Marijuana is becoming more acceptable. Life insurance is taking the same viewpoint on this subject. Often, marijuana use will not hinder your ability to gain life insurance. You can still get coverage at affordable rates. Other drugs are a completely different story.

Risk Factors for Police Officers #3

High Cholesterol

Life Insurance Risk Factors For Law Enforcement Officers and cholesterol.

High cholesterol is another very common health concern among police officers. It should not be too big of a surprise with today’s society and love for processed foods.

When it comes to police officers and what they have access to meals, options become limited. Frequent gas station stops, and fast food options are often most convenient. Coffee on the go plus the fast food raises your chances of heart disease long term.

Below are other examples of foods associated with higher cholesterol numbers. According to Dr. Axe (food is medicine), these are your top contributors to high cholesterol.

  • Eggs
  • Chicken
  • Beef
  • Full fat cheese
  • Sausage, hot dogs, bacon and ribs
  • Fish
  • Grain and Desserts
  • Pasta and Pasta Dishes
  • Mexican Mixed Dishes
  • Cold cuts
  • Reduced fat milk
  • Pork

This is not to say these are the most consumed foods by law enforcement. It was to illustrate how a regular individual may fall into bad eating habits. These foods increase the likelihood of high cholesterol and heart disease. When you put all these factors together what do you get? The perfect storm.

Police officers should strive to pack lunches and eat healthily. Avoiding these health concerns prior to life insurance coverage is paramount. If you already know you are most likely at a higher risk for high cholesterol, you still have options. Affordable options. Most insurance carriers will want to see that the cholesterol is well controlled.

They will also want to see that it does not take a basket full of medications to do so. Many insurance carriers will want to see you take 3 or fewer medications to control the issue. Some will allow more. Your build will play another large part of what rates you are able to achieve your life insurance.

Risk Factors for Police Officers #4


Life Insurance Risk Factors For Law Enforcement Officers and PTSD

PTSD is a growing concern in the law enforcement profession. In addition to military personnel who face the struggles of PTSD on a more frequent basis than we would like to admit. A lot of the driving health concerns law enforcement face tie together. Law enforcement personnel suffering from PTSD may have other dangerous habits forming.

Some of the primary reasons PTSD you see in law enforcement could be:

  • Violent and Graphic Crime Scene
  • Hostage Situations
  • Discharging of a firearm or violent standoff
  • Loss of a partner of fellow officer
  • A traumatic experience in the field of work

The unfortunate truth is PTSD is usually complemented with other major issues. This can make it more difficult to pursue life insurance. Substance abuse usually plays hand in hand with PTSD. Major depression and other anxiety disorders can also be a piece of the puzzle.

The good news? You can still get affordable coverage with PTSD. Be transparent with your agent.

Even if you do have PTSD, life insurance for police officers is still doable!

Risk Factors for Police Officers #5

Weight Gain- Obesity

Life Insurance Risk Factors For Law Enforcement Officers and weight gain.

Weight gain and obesity may be the biggest problem of them all. Life Insurance for morbidly obese individuals can be a bit tricky sometimes. Long days sitting in a squad car or behind a desk add up fast. Fast foods we discussed with high cholesterol make it hard not to pack on a few extra pounds.

You compliment these with alcohol abuse and possible depression, you have a recipe for disaster.

Weight gain among Americans, in general, is reaching all-time highs. Some reports are indicating we are now above 60 percent of the United States in considered “obese”. This can also play large roles in your ability to gain affordable life insurance. With life insurance, it is typical how far out of a “normal build chart” you are. Males can have a little more meat to them than the ladies.

Why? BMI and or measurements determine the outlook underwriters have on your case. Here is a better way to look at how life insurance will view your weight…

  • Body measurements- Chest, neck, and waist
  • BMI
  • How far outside normal charts and build classes you are?

Regardless what weight you are, it is still possible to gain the life insurance coverage. It will depend on what price. You need to work with an Independent Agent. More specifically, one who understands how different carriers view the weight charts.

Be transparent and accurate when explaining your height and weight. This will aid your life insurance agent, so he can shop the life insurance market for you.

Risk Factors for Police Officers #6

Higher Risk for Heart Attack

Life Insurance Risk Factors For Law Enforcement Officers and heart attack.

This may also seem a bit repetitive but it’s not. Yes, the cholesterol plays into the chance of a heart attack. What most do not realize is the huge difference in the age of an average heart attack.

Let’s look at the difference. You have an average profession vs. law enforcement.

  • Age 49 for law enforcement – average lifespan 57 years
  • Age 72 average for other individuals- the average lifespan of 72 years.

Life Insurance Risk Factors For Law Enforcement Officers and heart problems

That’s a huge difference. It is apparent law enforcement officers face more stress. They face more adversity. They face struggles with physical and mental health throughout one’s career.

What is the most important thing to realize?

You can overcome these health concerns, even as a law enforcement officer. Treating your body with care and monitoring warning signs is crucial. Track ongoing mental health issues that may be developing.

The increased likelihood of having a heart attack alone will not hurt your life insurance rates. What will hurt them? An actual occurrence of a heart attack. Once this happens it may be impossible to gain affordable coverage or get coverage at all.

Risk Factors for Police Officers #7

Depression, Divorce, and Suicide

Life Insurance Risk Factors For Law Enforcement Officers and divorce

Want to know another reason life insurance for police officers can be tough?

I’ll give you a few.

Depression, divorce, and suicide are also growing concerns among the law enforcement profession. It seems to be a tough avenue to avoid in law enforcement as well. The shift work alone would make it tough to maintain a healthy relationship.

When I worked in law enforcement I spent a majority of my time on 3-11pm shift. My counterpart worked 7am-3pm at a normal job. When I got off work I rarely wanted to discuss work or speak in general about anything going on. It was a decompressing time and much needed in this line of work.

This tied into all other risk factors. It creates a strong chance of divorce or failing marriages. At this point, you most likely have the downhill slope taking place. Failing relationships, tough shifts, and other substance abuse. All these issues can lead to deep depressions and even suicide. This is something to consider when looking for life insurance.

Your kids depend on it, and let’s face it, you are at higher risk for all these factors whether you want to admit or not. Placing coverage in force before some of these common health concerns develop is key. Obtaining coverage early will keep it affordable or even doable at all.

Risk Factor #8- Life Insurance for police officers.

On Job Injuries, Incidents and Other Considerations

Life Insurance Risk Factors For Law Enforcement Officers and on the job injuries

These happen all the time and are completely impossible to avoid in this profession. Why even bring them up regarding life insurance? I bring them up because it is not the injury itself that can change your ability to gain life insurance.

It is what happens after the injury that could pose issues for you when searching for coverage.

  • What if you injured your back or another body part? It may require the use of painkillers following the injury. Yes, it will affect your life insurance rates.
  • You may have been involved in a shooting. A shooting that leaves lasting physical impairments. In turn, this would diminish your ability to gain life insurance coverage.
  • You may be a correctional officer who was bitten by a custody or inmate. It is possible you contracted something like hepatitis C. Possibly even another infection. In turn, this would diminish your ability to gain life insurance.

What are the typical death benefits for officers killed in the line of duty?

Typically your department will have a coverage offered to you regardless of work provided life insurance or a completely separate life insurance policy.

I have never heard of a police department not offering coverage for a police officer killed in the line of duty.

Often, it’s salary based meaning your spouse or beneficiary will be eligible up to 50%-75% or even 100% of your current salary if killed in the line of duty.

Side Note- This is not an excuse not to purchase outside coverage.

Your salary will most likely be nowhere close to what’s needed to provide for your family if something was to happen.

Always have an outside life insurance policy to protect your family.

Who are the best life insurance companies for law enforcement?

This is a tricky question to answer because it depends greatly if you fall into any of the 8 Risk factors listed above.  The goal is to always work with an independent agency with many companies to choose from. Companies such as Prudential, Protective, AIG.  That’s just to name a few. At Good Life Protection we work with more than 60 life insurance companies and understand how to handle cases for law enforcement officers.


Don’t shy away from coverage. Life Insurance for police officers can be done and most of the time at normal rates.

In conclusion, most people are not aware of the risk that law enforcement faces every day. They are working the beats and protecting the communities daily. The point was not to beat a dead horse. I wanted to bring to light on issues law enforcement officers face that is not discussed often. All these still have lasting damages and can hinder one’s ability to live a long healthy life. In return, these issues make obtaining life insurance more difficult. 

It is imperative to track these possibilities and handle them. Coverage is still a must. Law enforcement should not overlook coverage. Even if you do suffer from one of the above-listed issues. When navigating for life insurance, always work with someone who can understand the issues you face. It will make a large difference in your rates and ability to gain coverage. Leave a comment below. We would love to hear from you.