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 offering insurance and personal protection tailored to individuals in extreme sports or high-risk professions, such as police officers. Our services include life insurance, critical illness cover, and income protection. If your job is considered hazardous, we may request additional details during the application process. This is not a guarantee of higher premiums but helps underwriters make an informed assessment of your application. Families with young children, especially those exposed to a higher risk of accidents or illness due to their profession, are encouraged to explore life insurance, critical illness cover, and income protection options.
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.
Police Officers life insurance
For most police officers, obtaining life insurance is straightforward, as many work in lower-risk roles like community policing or administrative duties. Life insurance premiums are typically comparable to those of individuals without occupational risk factors, making them highly competitive. However, if your role involves higher-risk tasks, your application for life insurance may undergo 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 quoteIs critical illness cover available for police officers?
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 obtain income protection cover for police officers due to the occupational risks associated with the role. However, if your position is administrative, you may be eligible for income protection. Contact our team of experts for more information.
Police Officers life insurance, critical illness cover and income protection
If you need assistance or advice to secure the best life insurance for police officers, critical illness cover, and income protection, our team of experts is here to help. Contact us at 0345 565 0935 to learn how we can provide tailored protection for you and your family. Our experienced professionals will guide you through the process, ensuring you get the coverage that meets your specific needs and circumstances, giving you peace of mind knowing your loved ones are safeguarded.