Gerard, thanks for offering your point of view.  Would you please help educate us a bit more?

Do most police officers have term life insurance?  

Usually term life insurance is fairly cheap- a 35 year old should be able to have one million in coverage for a set term- say 10 or 15 years, etc., for about $35- $40 dollars per month.

Does your union provide insurance?  

Usually one should have life insurance equal to about 10 years of income for their family.  ($100,000 annual salary = $1,000,000 in coverage).