You put it on the line every shift. Make sure your family’s protection follows you — not the badge — through every assignment, department change, and into retirement.
Department group life and line-of-duty benefits help — but they’re conditional. LODD benefits only apply on duty, group coverage ends when you leave, and pension survivor benefits are reduced and tied to your election. The gaps show up at the worst possible time.
We help officers secure portable, individually-owned coverage with simple no-exam options — protection that pays your family no matter how, when, or where, and stays with you into retirement.
For sworn officers, deputies, state troopers, corrections and federal law enforcement, retirees, and the families who back them.
Apply in minutes between shifts. Coverage begins after approval and first payment.
Get a quote and apply with a licensed agent in one quick call.
Free, no-pressure virtual appointment that works around your schedule.
Request a free info kit and apply from home, at your own pace.
How officers get covered fast with no clinic visit or blood draw.
Read →What officers really pay — and the factors that move your rate.
Read →PSOB, state, and pension benefits — and the gaps families hit.
Read →The three gaps in department and pension life insurance.
Read →Which type fits an officer’s budget and goals — in plain English.
Read →Why department coverage ends when you retire — and how to keep yours.
Read →Yes. Many officers qualify with no medical exam, and the simplified-issue policies we place are priced on age and general health rather than a law-enforcement surcharge — often more affordable than officers expect.
Usually not. Department group life is typically one to two times salary and ends at retirement, and pension survivor benefits are conditional and reduced. An individually owned policy fills the gaps.
No. The policies we place are individual and portable — you own them. They stay in force through department changes and into retirement.
Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.
A licensed agent will reach out shortly. Meet Justin →