Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Can police officers and firefighters purchase life insurance without being penalized for their occupation? The short and quick answer is YES!

Life insurance for police officers and firefighters is no different than life insurance for regular citizens.

There are no additional fees, extra ratings, or disqualifications being a police officer or firefighter wanting to purchase additional life insurance coverage.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

The Importance of Life Insurance for Policy Officers and Firefighters

Most people will agree that a career as a police officer or firefighter comes with great responsibility and risk. Police officers and firefighters put their lives at risk every day to protect and serve the public.

Along with protecting and serving the public, police officers and firefighters often deal with dangerous situations on a regular basis and can appreciate the importance of having life insurance protection.

Since many police officers and firefighters have families outside of their careers, a common concern is if they have enough life insurance coverage to protect their family’s financial future and continue to maintain their current lifestyle.

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Can Fire Fighters get life insurance coverage?

The majority of firefighters that we work with are looking for additional life insurance coverage because they feel that their agency doesn’t offer enough life insurance protection for the line of work they are in.

Like most employer-provided life insurance coverage plans, the common death benefit is the annual salary multiplied by 2-4 years. This is generally not enough death benefit protection for such a high-risk occupation.

How much life insurance coverage should you have?

Determining the amount of life insurance for police officers and firefighters is no different than determining how much life insurance a regular citizen should have. A great starting point is, to begin with how much death benefit protection your family would need to continue their lifestyle without your income.

For younger or new families with higher needs and larger debt, a good starting point is to take your annual salary and multiply it by 10-12 years.

The Different Types of Life Insurance for Police Officers and Firefighters

The same types of life insurance coverage plans that are available to citizens are also available for police officers and firefighters.  Among the most common are term, permanent, and no medical exam type life insurance policies.  The type of life insurance policy you should have will be based on your own unique life situation.

TERM – Term life insurance policy is the most affordable coverage.  Term life insurance is generally the ideal coverage option, as it allows for the most death benefit protection for the cheapest price. Term life insurance plans come in 10, 15, 20, 25, and 30-year fixed premium lengths.

PERMANENT – Permanent life insurance policies provide lifetime coverage at a guaranteed fixed rate.  A permanent life insurance policy will cost much more than a term life insurance policy. Keep in mind, that a permanent life insurance policy will not need to be renewed or come out of its guaranteed period.

NO MEDICAL EXAM – No medical exam life insurance policies are another form of term life insurance coverage that is perfect for individuals who would rather not take a standard medical exam for purchasing life insurance coverage.  No medical life insurance however has limits on how much death benefit you can purchase.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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How to get a Life Insurance Quote

Getting a life insurance quote is simple now that you know that your occupation does not limit you from purchasing additional life insurance coverage. The same rules apply to police officers and firefighters looking to purchase life insurance, like any other individual applying for life insurance coverage.

Rates are not determined by your occupation, but more so based on your overall health. If you’re ready to start comparing rates for the best rates for life insurance coverage feel free to use the instant quote form located on this page.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.