NOAH Police Officer?
Police officers put their lives on the line every day. They turn in to hostile situations. It’s their job to catch the bad guys, some of whom have guns.
Does that make them an increased risk for life insurance?
It sounds like it, but the real answer is NO. Virtually all of our carriers at H.D. Mooers and Company will write Best Class policies on cops, with very few exceptions.*
But guess who doesn’t always know that?
That’s right—the officers themselves. And perhaps more to the point, their spouses and families.
- Spread the word. Do you know any cops? (Alas, I do, for all the wrong reasons, but that’s beside the point). Do you know anybody who knows any cops?
- REACH OUT TO THEM. It’s true—the fact that they can qualify for the best underwriting category is a bit of a secret, unfortunately.
- Talk to their spouses. It’s not easy being married to a cop, we’re told. There’s an element of fear there that isn’t attached to most occupations. YOU can help ease that fear when you tell them that according to the insurance companies, they’re not an increased risk.
- These people talk to each other all the time. They have groups. They have meetings. Perhaps you could participate. Learn their language, learn their fears, and help them out.
- Most police officers don’t have as much insurance as they should. Or want. Supplement that.
Last time I checked…
I just typed in www.termlifeforcops.com, and nothing came up.
*Exceptions sometimes include SWAT teams or those frequently in policy helicopters. But most of the time, we can write those, too.
