In many cases, being a police officer or working in law enforcement is considered to be a high-risk occupation.
Because of this, many individuals believe that their life insurance coverage may be difficult to obtain or may carry very high premium payments that they cannot afford.
The good news is that life insurance policies for police officers can be secured with standard terms from most insurance providers. Here is what you should know about life insurance, income protection and critical illness cover.
As mentioned earlier, many life insurance companies will accept an individual’s application whose occupation is law enforcement at standard terms with a standard monthly premium payment.
While applications for life insurance are easy to place, it is important to make sure to let your insurer know of any travelling abroad you may be doing as part of your daily occupation as a police officer.
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Not disclosing this information can make an insurance claim null and void should the lack of information be uncovered.
At this time, Long Term Income Protection is not available for special constables, police officers and community support officers. Even though this is the case, some insurance companies will consider offering police officers short-term income protection policies, which include unemployment, accident, and sickness cover.
A short-term policy will provide protection for between 12 and 24 months should the individual be unable to work due to accident or injury on the job. This is a popular option, but it is important to make sure your income protection policy begins right as your sick pay ends.
Much like a life insurance application, many police officers find that most providers accept their critical illness cover applications at standard terms. Although this is the case, it is essential to make sure you disclose any information you have about travelling abroad as part of your occupation and make sure the insurance provider is aware of this travel.
If you need assistance applying for critical illness cover, the knowledgeable team at Insurance Hero is on hand to answer all of your questions.