Former New York Police Department Lieutenant Keith Maresca said he never purchased life insurance while on the force, though the union offered it to members. The union also provided information sessions about writing a will, retirement planning, and what Maresca describes as “preparing yourself if, God forbid, something happens.” He found the sessions useful but opted not to have life insurance because he knew his family would receive the police pension.

“You discuss it,” Maresca said of the dangers of being a police officer. “There’s a lot of times when you’re in discussion that you kind of joke about it—that’s just a way of dealing with the harsh reality of it.”

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