--- title: Life Insurance for Police Officers | Coverfolk url: https://coverfolk.com/jobs/police-officers updated: 2026-11-13 --- # Free life insurance quotes for police officersFree life insurance quotes*for police officersfor police**for deputies and troopersfor deputies**for detectivesfor detectives**for their familiesfor families**for police officersfor police* Real prices from licensed agents.Licensed agents. Real prices. See yours in 60 seconds.[Trustpilot](https://www.trustpilot.com/review/coverfolk.com) **Start here:** tap who you want to protect. Takes about 60 seconds. 1/5 * About 60 sec * 50 states * Free to use * No SSN needed * About 60 sec * 50 states * Free to use * No SSN needed ## Who do you want to protect? Step 1 of 5. About 60 seconds. How much coverage? $250,000 Coverage amount Tobacco or nicotine in the last year? Your price is on the way A licensed agent will text you soon. or [Call (888) 635-3511](tel:+18886353511) [Trustpilot](https://www.trustpilot.com/review/coverfolk.com) [**Firefighters**3.2x avg. risk](/jobs/first-responders)[**Nurses**Night shift friendly](/jobs/nurses)[**Veterans**More than VGLI](/jobs/veterans)[**Truck drivers**7.7x avg. risk](/jobs/truck-drivers)[**Construction**4.4x avg. risk](/jobs/construction-workers)[**Lineworkers**5.3x avg. risk](/jobs/lineworkers)[**Roofers**14.8x avg. risk](/jobs/roofers)[**Police**Police and corrections](/jobs/first-responders)[**Farmers**5.4x avg. risk](/jobs/farmers) **824,200**About 824,200 police and detective jobs (2025)[Source: BLS OOH: Police and Detectives](https://www.bls.gov/ooh/protective-service/police-and-detectives.htm) **11.3**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm) [### Coverage calculator Your pay, your loans, your work plan. See the gap in 30 seconds. Open](/jobs/police-officers/calculator) [### If you die at work What workers comp, work plans and Social Security pay, and what they don't. Open](/jobs/police-officers/on-the-job-death) ## Why 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. ## Best life insurance for police officers [**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need) ## Sources 1. [BLS OOH: Police and Detectives](https://www.bls.gov/ooh/protective-service/police-and-detectives.htm) 2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm) 3. [BJA: Public Safety Officers' Benefits Program](https://bja.ojp.gov/program/psob) 4. [BJA: PSOB Benefits by Year](https://www.bja.ojp.gov/program/psob/resources/benefits-by-year) 5. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html) Prices for police officers A few questions and you see a sample price. A licensed agent can then show you real prices. Free, and no exam for many plans. [(888) 635-3511](tel:+18886353511)[See prices for police officersSee my price](/quote?job=police-officers)[How it works](/how-it-works) * Takes about 2 minutes * Phone confirmed by text code * Licensed agents only Questions? 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