Police Officers Life Insurance

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If you are looking for financial protection for your occupation then speak to one of our specialists advisers today.

We were initially founded, over 25 years ago, to help extreme sports people find cover for their adrenaline-filled lifestyles. During this time, we have worked with many company owners and employees who sought cover for their demanding occupational roles and recreational pursuits.

We have recently expanded the scope of our services to bring this hard-won experience to a wide range of hazardous occupations. Through this natural expansion, we aim to utilise our experience and expertise to provide financial protection delivered with exceptional customer service.

Life insurance, critical illness cover and income protection

Sports Financial specialises in providing insurance and personal protection for individuals involved in extreme sports or high-risk professions, such as police officers. We offer life insurance, critical illness cover, and income protection. If your occupation is deemed dangerous, additional information may be required during the application process. This doesn’t automatically result in higher premiums; it enables underwriters to accurately evaluate your application. Families with young children, particularly those at higher risk of accidents or illness due to their work, should consider securing life insurance, critical illness cover, and income protection.

Some of the key risk factors depending on your role for someone looking for Police Officers life insurance, critical illness cover and income protection will include:

Hazardous equipment (e.g. firearms, explosives etc.)
Dangerous environments or locations
Activities or roles (e.g. Diving, Aviation etc.)
Working at heights

There are a wide range of occupations and roles within the police force which can vary dramatically in terms of activities, responsibilities or environments so underwriting for Police Officers life insurance, critical illness cover and income protection can also vary dramatically.

Roles for Police:

Constable
Detective
Inspector
Administration
Pilot
Diver
Sargent
Counter Terrorism
Bomb Disposal

Each role will cause different issues when applying for Police Officers life insurance, critical illness cover and income protection which can range from no problems at all up to more specialist cover for higher risk individuals.

In most cases, obtaining life insurance is not an issue for police officers, as many serve in lower-risk roles such as community policing or administrative positions. Premiums for life insurance are generally comparable to those for individuals without occupational risk factors, making them very competitive. However, if your role involves higher risk tasks and activities, your application for police officers’ life insurance may be subject to additional underwriting.

What is police Insurance?

It is generally in most cases not an issue to get life insurance cover as most individuals in the police force tend to be in lower risk roles such as Community Police or Admin Staff. Premiums for life insurance can generally be purchased at the same rate as for someone with no occupational risk factors and therefore will be very competitive. If your role is considered to be higher risk based on the tasks you do and the type of daily, weekly or monthly activities you are involved in then you may find that your offer for Police Officers life insurance could be subject to additional underwriting.

Some of the key points which would be assessed and considered by underwriters when reviewing an application for Police Officers life insurance include:

What is your role in the police force
Do you work with hazardous equipment
Does your job involve working abroad or in dangerous environments
How often does your work involve dangerous activities

The standard factors which would also impact the premiums you will pay for life insurance are:

Level of cover (£’s)
Term of policy (years)
Type of policy

For more help or a competitive quote for Police Officers life insurance then you should contact one of our team of experts today to find out what we can do for you

Get a no-obligation quote

Police Officers critical illness cover

There should be no issues in most cases to get a Police Officers critical illness cover policy in place, especially where the role is lower risk or if you are a healthy individual. You will be asked to provide the usual information about your health and medical history on your application form which will determine whether there are any additional risk factors to be considered for your Police Officers critical illness cover. If you have a health issue or pre-existing medical condition then you may find that you will pay more for Police Officers critical illness cover purely to reflect the increased risk for the insurer.

Generally Police Officers critical illness cover premiums will vary from standard levels which is exactly the same as for someone with no additional occupational risks up to possible higher premium loadings or exclusions depending on your circumstances.

Police Officers income protection

Unfortunately it is not currently possible to get a policy to cover for Police Officers income protection due to the occupational risks relating to this type of individual. If your role is administration based then you should be able to get a Police Officers income protection so speak to one of our team of experts to find out more.