Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 30, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Brief

  • Police officers should consider life insurance since they work in a high-risk occupation.
  • Life insurance for police officers won’t necessarily cost more than life insurance for people of other occupations.
  • Police officers can find life insurance from most, if not all, life insurance companies and have access to multiple types of life insurance policies.

Making sure that your family is protected financially is essential. Life insurance for police officers is even more critical than for other people due to the occupation’s riskier nature. It’s also easier to find and acquire than most people think. Learn more below.

Term life insurance and whole life insurance are available from many companies. Enter your ZIP code into our free tool above to find a police officer life insurance company for you.

Do police officers need life insurance?

Everyone with a family should consider purchasing life insurance, especially police officers. Police officers face more risk daily than most other occupations.

Unfortunately, it is the reality that police officers can be killed in the line of duty, either from acts committed by others or accidents that happen on the job.

If you have a spouse or children, you should make sure that they are financially protected in case you pass away.

Many police officers may worry that they can’t afford life insurance because of their job risk. However, there are plenty of options that would allow you to purchase affordable police officer life insurance.

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How much does life insurance for police officers cost?

Police officer life insurance rates may not be as high as most people would think. You may see a slight increase in your rates if your job is deemed risky, but your rates will mostly depend on your health status.

Let’s take a look at some average term life insurance rates:

Average Monthly Term Life Insurance Rates for a 30-Year-Old, Non-Smoker Male
Coverage Amount10-Year Term Length Average Monthly Rates20-Year Term Length Average Monthly Rates30-Year Term Length Average Monthly Rates
$100,000$10.85$12.53$16.36
$250,000$13.45$17.45$24.41
$500,000$18.56$26.22$37.93
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Now, let’s take a look at some average whole life insurance rates:

Average Annual Rates for Whole Life Insurance Policies by Coverage Level: Male vs. Female
Coverage Amount30-Year-Old Male Average Annual Rates30-Year-Old Female Average Annual Rates
$100,000 Policy$98.47$87.78
$250,000 Policy$223.76$197.78
$500,000 Policy$438.82$387.30
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These two charts can help you compare quotes from other companies to make sure you’re paying a fair price.

Law enforcement insurance rates will vary based on many different factors besides your health and occupation. Your rates can also change according to your age, location, family history, coverage amounts, and more.

Where can I find life insurance for police officers?

You may have life insurance included in your benefits package from your police department. However, this may only offer minimal coverage. Therefore, if your employer doesn’t provide enough, you may want to consider purchasing additional life insurance.

Police officers can purchase life insurance from most, if not all, life insurance companies like anyone else. Police officers can also choose from many different life insurance types, including term life insurance, whole life insurance, universal life insurance, and more.

Term life insurance is a non-permanent policy that lasts for a set amount of time. In contrast, whole life insurance and universal life insurance are permanent life insurance policies with cash value accumulation.

Term life insurance is popular because premiums are typically more affordable than permanent life insurance rates. However, which type you choose depends on many different factors.

Take the time to compare police officer life insurance quotes from multiple companies by entering your ZIP code below.