LODD benefits only pay if you die on duty. Most officers die from illness, accidents, or heart disease. Individual life insurance covers your family regardless of how or when — from $32/month.
Most officers believe they're covered through their department and state benefits. Here's what those benefits actually pay — and where the gaps are.
Most patrol officers are accepted at standard or better rates. Health — not occupation — drives your premium. A healthy 35-year-old officer with no medical history will qualify for favorable pricing across our carrier network.
Different carriers have different appetites for law enforcement risk. Tower Hill compares 30+ carriers to find the one with the best fit for your specific role, health profile, and coverage amount — you don't go through this alone.
Life insurance premiums are locked at the age and health class you qualify for on the day you apply. Every year you wait means a higher rate — and potentially a health event that affects your eligibility. Apply while you're healthy.
Yes — and often at better rates than people expect. Most officers qualify for standard to preferred rates based on their individual health profile, not occupation alone. While law enforcement does carry an occupational risk flag, most top carriers accept it at standard rates for healthy officers. Tower Hill compares 30+ carriers to find you the best fit.
Texas Municipal Retirement System (TMRS) and most department group plans provide 1–2× salary in life coverage. For an officer earning $65,000/year, that's $65,000–$130,000 — well below the 10× coverage recommended for officers with families and mortgages. A supplemental individual policy closes that gap.
It depends on the carrier and your role. Most patrol officers qualify for standard rates with no additional premium. Officers in tactical units (SWAT), aviation, or undercover narcotics may receive a table rating — a modest premium increase — but coverage is still widely available. Tower Hill will match your profile to the carrier with the best underwriting for your situation.
Line-of-Duty Death (LODD) benefits — including the federal Public Safety Officers' Benefit (PSOB) and Texas LODD benefits — only pay if death occurs in the line of duty. They provide nothing for off-duty accidents, illnesses, or natural causes. Individual life insurance covers your family regardless of how or when you die.
Yes. Most Texas officers qualify for accelerated underwriting with no medical exam. You answer health questions online and receive a decision the same day. For officers with health conditions or higher coverage needs, we also offer fully underwritten options through our carrier network.
Most officers with young families do well with a 20- or 25-year term. If you're 32 with a mortgage and two kids, a 25-year term covers your highest-obligation years. As you approach pension vesting (typically 20 years of service), your need for individual coverage may decrease — your advisor can model this for you.
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