PMAS Life Insurance
Product information
PMAS Life Insurance pays a lump sum to your
loved ones if you die suddenly. Police Mutual offer very
competitive rates, and the experience which comes from meeting the
needs of the Police Family for over 80 years.
You can see just how competitive our rates are
by getting a
no-obligation quote online.
The benefits
- A cash payment will be made
if the person covered dies during the term of the plan
- Our rates differentiate
between male/female and smoker/non-smoker* status – so you could pay
lower premiums
- You choose the length of
plan most suitable for your requirements, between 1
and 40 years
- It’s flexible - anyone
between the age of 16 and 78 can apply for a plan, as long as the
plan expires on or before your 80th birthday
- It keeps up with your life -
should your circumstances change, then subject to the appropriate
medical evidence and a revised quote - the people covered on
your plan can be changed
- It’s designed for the Police
- we don’t have the exclusions - for example for terrorism - that
are built into most other life insurance plans
- We can pay a maximum of £5,000 to a
nominee when a claim is made, if you decide to nominate
someone. Any balance is paid when the estate is settled
- Your costs are kept to a
minimum because the plan has no cash-in value and no cash
return at the end of the plan
- Your payments can be deducted from
your salary or pension with most forces. We’ve got a
full list of all
forces we can take payments directly from
How to apply
Before applying make sure you’ve read the the
key features page. You’ll
need to have your bank details or payroll number to hand along with
any details of your medical history.
You can:
We will also need to know your height/weight
details in metric measurements and you may need to provide your
GP’s details. If you only know the imperial measures, use
our conversion calculator.
If you’re applying for joint cover or your
partner is to be the life assured, you’ll need their details
as well.
Proving your identity
To comply with money laundering regulations,
we may carry out an on-line 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.
*you are a non-smoker if you have not smoked
tobacco in the last twelve months and have no intention of
doing so in the future. Your smoker status when the plan is taken
out applies for the whole term.