…and yet getting life insurance is often overlooked, which could impact your family’s financial stability massively if there is a death of a parent or breadwinner in the family.

It’s a sobering reality that 39% of police employees surveyed said they had not got enough sufficient funds to manage if they were unable to work*. If you’re a serving Officer then you may be covered by your Pension or Police Federation scheme, but this may not be enough to meet your individual needs.

What cover do I need?

This all depends on what cover you’re looking for- here are some options:

Life Insurance - Gives your family a cash lump sum if you were to die during the term of your policy

Critical Illness Cover - Gives you a cash lump sum if you’re diagnosed with a specified critical illness^

Income Protection - Gives you a monthly income if you have to stop working due to an injury or illness^

^Subject to policy terms and conditions.

How much does it cost?

Life insurance can be very good value. Often a few pence a day can provide you and your loved ones with financial protection (depending on your age and health status), but premiums can vary so it’s worth shopping around.

It’s also worth remembering that cover tends to get more expensive as you get older, so it makes sense to act sooner rather than later.

As a member of the Police family, you’ll be pleased to know that you can get free advice from us on how to protect your family financially.

We’ll help you to understand what cover you need, then find the most suitable protection for you and your family from searching whole of market products from a number of UK based providers. As a broker we provide unbiased advice and get paid commission by the insurer if you buy a policy - so you don’t pay anything for the advice.

One call is all it takes to get started. For free advice on how you can best protect your loved ones call now on:

01543 441 630

* Police Mutual’s Financial Fitness Survey based on 4,354 responses between Jan 2018-Jan 2020

Mortgage Excellence Plc, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. For your security, all telephone calls are recorded and may be monitored.