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Police Insurance & Health Cover

Independent Insurance & Health Cover Advice for Police Workers

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Protecting Your Future Beyond the Police Service
 

Why this matters
Being part of the police service is more than a job, it’s a commitment. But illness, injury, or the realities of life can make insurance and health cover complicated. Whether you’re continuing in the service, planning for the future, or thinking about leaving, the right advice can protect you and your family. Too many officers miss out on entitlements or vital health cover simply because no one explained their options.

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Meet Murray Pierce, an ex-Cop and Insurance Specialist
Murray served in the New Zealand Police from 1976 to 1990 in Wellington. Like you, he knows the long hours, the trauma, and the toll this career can take. After leaving the service, he built a 30 year career as a financial adviser, specialising in personal risk, medical, and life insurance.

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  • He’s been a Police Health Plan member since 1976.

  • He understands the Police Welfare Fund, Group Life, and Critical Illness cover.

  • He knows where the gaps are, like cancer treatment and Non-Pharmac medicines.

  • He speaks your language, he's been there.​

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Smarter, Cheaper Cover
Most officers stick with NZ Police Association cover and assume they’re safe. The truth? It doesn’t cover everything.

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Murray helps you hybridise your cover:

  • Keep the strong bits of the Police Health Plan and NZPA Group Life.

  • Add targeted products (like cancer care) where cover is thin.

  • Remove overlap so you’re not paying twice for the same benefit.

  • Ensure your insurance follows you out of the service—so you’re not left exposed after retirement or medical exit.

 

The result? Better protection and often savings in premiums.

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​Ready to Take the Next Step?
You’ve given everything to the police service. Now make sure you protect yourself and your family. Don’t leave benefits behind, and don’t stay exposed to risks you didn’t know you had. Book a confidential chat with Murray.

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Protecting Your Health & Future

If PTSD or illness means you can’t continue serving, exiting under section 74 or 76 of the Policing Act is critical to

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  • Protect your lump-sum payout and leave entitlements.

  • Keep Critical Illness benefits that don’t apply if you resign.

  • Ensure your insurance continues beyond the service​​


Too many officers lose these benefits by handing in their badge without advice. Don’t let that be you.

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