Family cover protection for UK police officers
Officially, there's no such product as police life insurance.
This is merely a phrase used to describe a standard life insurance policy that covers a police officer.
However, police life insurance could also describe the life cover benefit police officers receive with their pension or through the Police Federation Group Insurance Scheme.
Though the potential payout from these may be insufficient for your individual needs.
If you feel that you require additional cover, more that is paid through your employment, then a personal life insurance policy may be the solution.
With a separate policy you'll have financial security that, if you were to leave the force, your family are still protected.
At LifePro, we've many years of experience helping customers from all walks of life, secure affordable life cover.
Compare multiple quotes today using our fee-free, award-winning broker service.
Keep reading to discover more about life insurance for police officers…
Life insurance calculator
Calculate how much life insurance you may need by filling in the costs you'd like your policy to cover.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
- Outstanding mortgage balance
- Other debts and loans
- Income replacement for your family (typically 5-10 years of salary)
- Children's education costs
- Funeral expenses (typically £4,000-£10,000)
- Any specific financial goals for your dependents
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Police Life Insurance, and find the right level of cover for your needs at the best available price.
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