Your Police Mutual. Owned by you. Run by you.

Life insurance pays out a guaranteed cash sum if you or your partner (if it is a joint plan) die during the term of the plan.

Anyone who is eligible to apply for a Police Mutual plan can apply. Find out if you’re eligible here.

To comply with money laundering regulations, we may carry out an online identity check with a reference agency when you apply. The agency will add a note to your credit record to show that an identity check has been made, but this information will not be available to anyone else and will not affect your credit rating.

You can find out more about why we need to check your identity on the Financial Services Authority website.

The plan only pays out if the life assured dies. There is no payout at the end of the term or if you decide to stop the plan early.

Everyone has different needs, so everyone will require different levels of cover. You might want to think about the following costs when you consider how much your family might need:

• Your children's education – nursery, if they’re in public school, or university

• The amount of your outstanding mortgage - if this is not covered by mortgage protection

• The cash that your family spend each year on essentials - multiply your income by an appropriate number of years for an estimate

• Any other loans or expenses not covered by existing insurance and would need to be repaid

The plan term - or term of plan - is the period of time that the plan is active. You can choose a term of between 1 and 40 years.

For example, if you have a young family, you may decide to take out cover for 20 years - to provide funds for school or university fees.

The application should take no more than ten minutes to complete.

• Whether you’d like a joint application (which pays out if you or your partner dies) or a single application – for you or your partner alone
• The amount of money you’d like your dependants to receive
• How long you’d like the plan to provide cover for - between 1 and 40 years

As soon as your plan has been written, the payment rates are guaranteed for the full term.

We have a full list of all forces offering deductions from your salary or pension.

We will treat your application as a priority. If you have any questions about the processing of your application, please contact us on 0845 88 22 999.