Life Insurance for Police Officers and Firefighters

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Life insurance for police officers and firefighters
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Can police officer and firefighters purchase life insurance without being penalized for their occupation? The short and quick answer is YES!

Life insurance for police officers and firefighters is no different than life insurance for regular citizens.

There are no additional fees, extra ratings or disqualifications being a police officer or firefighter wanting to purchase additional life insurance coverage.

Need assistance? Please send us an email with your request or call us toll free at (888) 777-7574. A licensed Top Quote Life Insurance agent will help assist you right away.

The Importance of Life Insurance for Policy Officers and Firefighters

Most people will agree that a career as a police officer or firefighter comes with great responsibility and risk. Police officers and firefighters put their lives at risk everyday to protect and serve the public.

Along with protecting and serving the public, police officers and firefighters often deal with dangerous situations on a regular basis and can appreciate the importance of having life insurance protection.

Since many police officers and firefighters have families outside of their career, a common concern is if they have enough life insurance coverage to protect their family’s financial future and continue to maintain their current lifestyle.

Does your Department Offer Enough Life Insurance Coverage?

The majority of police officers and firefighters that we work with are looking for additional life insurance coverage because they feel that there agency doesn’t offer enough life insurance protection for the line of work they are in.

Like most employer provided life insurance coverage plans, the common death benefit is the annual salary multiplied by 2-4 years. This is generally not enough death benefit protection for such a high risk occupation.

How Much Life Insurance Coverage Should you Have?

Determining the amount of life insurance for police officers and firefighters is no different than determining how much life insurance a regular citizen should have. A great starting point is to begin with how much death benefit protection your family would need to continue their life style without your income.

For younger or new families with higher needs and larger debt, a good starting point is to take your annual salary and multiply it by 10-12 years. For more information about determining the right amount of life insurance coverage click here.

Type of Life Insurance for Police Officers and Firefighters

The same types of life insurance coverage plans that are available to citizens are also available for police officers and firefighters.  Among the most common are term, permanent and no medical exam type life insurance policies.  The type of life insurance policy you should have will be based upon your own unique life situation.

TERM – Term life insurance policy is the most affordable coverage.  Term life insurance is generally the ideal coverage option, as it allows for the most death benefit protection for the cheapest price. Term life insurance plans come in 10, 15, 20, 25 and 30 year fixed premium lengths.

PERMANENT – Permanent life insurance policies provide lifetime coverage at a guaranteed fixed rate.  A permanent life insurance policy will cost much more than a term life insurance policy. Keep in mind, a permanent life insurance policy will not need to be renewed or come out of its guaranteed period.

NO MEDICAL EXAM – No medical exam life insurance policies are another form of term life insurance coverage that is perfect for individuals who would rather not take a standard medical exam for purchasing life insurance coverage.  No medical life insurance however has limits on how much death benefit you can purchase.

How to get a Life Insurance Quote

Getting a life insurance quote is simple now that you know that your occupation does not limit you from purchasing additional life insurance coverage. The same rules apply to police officers and firefighters looking to purchase life insurance, as any other individual applying for life insurance coverage.

Rates are not determined by your occupation, but more so based upon your overall health. If you’re ready to start comparing rates for the best rates for life insurance coverage feel free to use the instant quote form located on this page.  If you need help or have any questions please let us know by calling us toll free at (888) 777-7574 or send us a message and we will respond right away.

Life Insurance for Police Officers and Firefighters by Jeffrey Manola Top Quote Life Insurance

Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Ready to Shop for Great
Life Insurance Rates?

Purchasing Life Insurance has never been easier

Or give us a call...888-777-7574