Each month we produce guides on topics covering everything from savings & investments, to mortgages & debt.

The Police Federation Pay and Morale Survey 2019 revealed 51% of officers worry about their finances almost every day, with 1 in 8 officers seeking financial support last year to cover their day to day expenses. How financially secure you feel has a big impact on your wellbeing. Yet while we’re getting better at talking about our mental health, we’re less comfortable talking about money.

Police Mutual – We’re here to help you:

  • Promote positive financial wellbeing
  • Officers and staff make better financial decisions
  • Build financial resilience
  • Encourage people to talk openly about their finances and seek support when they need it
At the time of publishing, these guides were true and accurate, however, over time this may have changed.

If you have any concerns about this please contact us.

Let’s talk money guides

Police Mutual are here to help, we will get through this together. The following guides will help you to navigate everything from savings & investments, to mortgages & debt.

Support | Police Mutual

Let’s Talk Addictions

Let’s Talk Bank Accounts

Let’s Talk Bank of Mum and Dad

Personal Loans | Police Mutual

Let’s Talk Borrowing

Independent Financial Advice | Police Mutual

Let’s Talk Budgeting

NARPO Car Insurance | Police Mutual

Let’s Talk Car Finance

Debt Awareness Week 2025 | Police Mutual

Let’s Talk Debt

Breakdown Cover | Police Mutual

Let’s Talk Emergency Funds

A person sat near the sea.

Let’s Talk Funerals

Let’s Talk Gambling

Let’s Talk Help with the Cost of Living Crisis

Let's Talk House Purchase and Renting | Police Mutual

Let’s Talk House Purchase and Renting

Stack of British Coins

Let’s Talk How To Spend Less

Financial Score on paper

Let’s Talk Impact On Your Credit Profile

Elderly care.

Let’s Talk Inheritance Tax

Healthcare | Police Mutual

Let’s Talk Life Events

Let’s Talk Long Term Elderly Care

Image of a man sat at a desk.

Let’s Talk Losing Your Job

Retirement NARPO Insurance for Couples | Police Mutual

Let’s Talk Pensions – Police

Let’s Talk Police Pensions – Police Staff

Let’s Talk Pensions – State

Retirement NARPO Car Insurance | Police Mutual

Let’s Talk Pensions – Other

Pre-Retirement Course | Police Mutual

Let’s Talk Planning Retirement

Elderly couple on the beach.

Let’s Talk Powers of Attorney

Retirement NARPO Home Insurance | Police Mutual

Let’s Talk Probate

A person outdoors.

Let’s Talk Relationships Ending

Image of coins.

Let’s Talk Savings

Let's Talk Saving For Your First Home | Police Mutual

Let’s Talk Saving For Your First Home

Let’s Talk State Benefits

Wellbeing for the Police | Police Mutual

Let’s Talk Talking To Your Children About Money

Easy Retirement NARPO Insurance | Police Mutual

Let’s Talk Transition into Retirement

Let's Talk Money | Police Mutual

Let’s Talk Understanding Your Payslip

Insurance Online | Police Mutual

Let’s Talk Understanding Your Tax Code

Insurance Documents | Police Mutual

Let’s Talk Wills

Foundation Services

The Police Mutual Foundation was launched in 2011 with its purpose is to provide wellbeing support and guidance on financial and general wellbeing issues. Since its launch it has provided ongoing insight, thought leadership and practical help where needed. It reflects the importance Police Mutual places on the relationship with the Police Service through the provision of tangible contributions to welfare provision for members of the Police Service and the wider Police Family.

The services provided by the Foundation are given below.

For more information please email foundation@policemutual.co.uk by clicking the button below.

Email foundation@policemutual.co.uk

Debt Advice

Person inputting numbers on a calculator

We’ve teamed up with PayPlan, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

Find out more

Careline

Whether it’s coping with bereavement, physical or mental health issues, legal concerns, debt and financial concerns, or family and work troubles, it can mean a lot to talk things through with someone who understands.

Find out more

Respite

Respite | Police Mutual

There are many reasons that members of the Police family need to take time out. Our respite service can give you a much-needed break, where you can spend quality time with your family.

Find out more
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