Eligibility at a glance

You can become a customer of Police Mutual if you are:

  • A serving Police Officer in the UK
  • A member of Police Staff, including PCSOs
  • A retired Police Officer or retired member of Police Staff
  • A family member of someone who is eligible

Why does Police Mutual have eligibility criteria?

Police Mutual was established to support the Police community. We aim to always to provide value and long-term support for those connected to policing, through our wellbeing support and financial outreach. You can learn more about who we are here.

Our eligibility criteria help us ensure we can:

  • Offer products designed around the specific needs of the Police family
  • Provide specialist understanding of Police pay, pensions and career structures
  • Deliver focused support to customers throughout their working lives and into retirement

FAQs

Exactly which family members are eligible to become Police Mutual customers?

Eligibility to become a Police Mutual customer extends beyond serving and retired Police Officers and Police Staff to include certain family members of an eligible Police employee.

You may be eligible if you are the:

  • Husband, wife or civil partner of a serving or retired Police employee

  • Child or grandchild of a serving or retired Police employee

  • Parent or parent-in-law of a serving or retired Police employee

  • Brother or sister of a serving or retired Police employee

  • Brother-in-law or sister-in-law of a serving or retired Police employee

  • Niece or nephew of a serving or retired Police employee

  • Widow or widower of a serving or retired Police employee

Eligibility is based on your relationship to a serving or retired Police employee and may vary depending on the product you are applying for.

If your family relationship is not listed above, or you are unsure whether you qualify, we recommend contacting us before applying so we can check your eligibility.

I’m a Special Constable. Can I become a Police Mutual customer?

Yes, members of the Special Constabulary may be eligible to become Police Mutual customers.

As with all applicants, product availability will depend on individual eligibility checks.

I’m retired Police Staff or a retired Police Officer. Can I still become a customer?

Yes – retired Police Officers and retired Police Staff may still be eligible to become Police Mutual customers.

Depending on the product, you may be able to:

  • Take out new products

  • Continue with existing products

  • Access retirement-focused support

All applications remain subject to product terms and eligibility checks.

Does being eligible mean I can access every Police Mutual product?

No. While eligibility determines whether you may become a Police Mutual customer, each product has its own eligibility requirements.

These may include:

  • Age limits

  • UK residency

  • Health or financial information

Full eligibility checks are carried out during the application process.

What if I leave the police after becoming a Police Mutual customer?

If you leave the police after becoming a Police Mutual customer, this will not usually affect products you already hold.

In most cases:

  • Existing products can remain in place, subject to their terms and conditions

  • You can continue to receive support from Police Mutual

If you’re planning to leave the Police and have questions about how this may affect your products, we recommend contacting us in advance.

I used to work for Police Mutual. Am I eligible?

Yes, former Police Mutual staff may be eligible to become Police Mutual customers.

Eligibility for specific products will depend on individual circumstances and product criteria.

I still have questions about eligibility. What should I do?

If you’re not sure whether you’re eligible, or you don’t see your situation listed above, our team is happy to help.

We can:

  • Confirm whether you may become a Police Mutual customer

  • Explain which products may be available to you

  • Answer any questions you may have

Find our contact details here.

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