Life Insurance For Police Officers And Other Law Enforcement Individuals
First thing first, is there such a thing as police officer life insurance
? Not really, but there is such thing as the right company and underwriter for life insurance for police officers. Life insurance is life insurance no matter what other term precedes or follows the word life insurance. In other words, you want to make sure that whatever the policy is called, it pays a death benefit in case of natural or accidental death to your beneficiaries. You also want to make sure that the policy does not have exclusions specific to your job duties.Before anything though, you need to make sure you get approved and get approved at affordable rates. That is when selecting the right company is important. If you were to call three different life insurance companies about your life insurance needs, as a police officer, you would likely get three different answers. One may not like the fact that you work in a large city or one may not like the fact that you are part of a swat team. An easy way to weed out the wrong companies is to fill out a special police officer questionnaire forward it to a trusted advisor. In turn, he/she should be able to send it to select companies and narrow down the choices. By the way, if you find out that more than one company is offering the best options, it is OK to apply to more than one company. As a matter of fact, if you case is more complicated (you work in rescue, carry heavy weapons and work in the worst neighborhoods) you should not hesitate to apply to at least two insurance companies for your insurance.
How about health issues. That really is part of one of our other articles (to see article enter keyword in google: bad health life insurance article mcdlife.com). Briefly, if you have health issues. it may make things more complicated but don't despair. Approval for life insurance depends upon your health issues and the company selected. As a police officer, we fist suggest that you narrow down by profession and then further narrow it down by health issues.
If you are a police officer or another law enforcement individual, how likely are you to get approved and let alone get good rates? As long as you follow the simple guidelines above, you are very likely to get an affordable insurance policy. It may take more work than if you worked at a desk job and carried no gun, but the extra work will be well worth it. particularly in the long run.
What insurance policies are available to police officers and other law enforcement individuals? Just about any and all. In the end, it will be dependent upon your budget and the length of overage you need. In other words, if you have a very limited budget, then term life insurance should be considered. If you have a bigger budget and you need long term coverage, universal life is what would recommend. ultimately, the choice is yours and the best way to make the right choice is to ask as many questions as you need to.
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