Coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die at work
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
Police officers can get life insurance, and most can get it at a fair price. Insurers look at your age, health and tobacco use first. Your role, like patrol or SWAT, can matter too.
BLS says patrol officers have some of the highest rates of injury and illness of any job. In 2023, police officers had a fatal work injury rate of 11.3 per 100,000 full time workers. The rate for all workers was 3.5.
A federal benefit pays survivors when an officer dies in the line of duty. It does not cover a death off duty or from illness, and department coverage usually ends when you retire or leave. A policy you own fills that gap.
- The federal Public Safety Officers' Benefits program pays death and education benefits to survivors of officers who die in the line of duty. The death benefit was $461,656 for deaths in fiscal year 2026 (Oct 1, 2025 to Sep 30, 2026).
- Police and sheriff's patrol officers have some of the highest rates of injuries and illnesses of all occupations, BLS says.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
Can police officers get life insurance? What insurers ask
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Your role, such as patrol, detective or SWAT
- Full time, part time or reserve
- Your driving record
- Your age, health and tobacco use
Common questions
Can police officers get life insurance?
Yes. Most officers can. Your health, age and tobacco use matter most, and some companies also ask about tactical work.
Does the federal PSOB benefit replace life insurance?
No. It pays only for line of duty deaths that qualify. A policy you own pays for other causes too.
What happens to my department coverage when I retire?
It usually ends or shrinks. Ask your plan about your options before your last day.
Will SWAT duty raise my price?
It may with some companies. Others treat it like regular patrol work, so it helps to compare.
