MPA Member Benefits
Join the Community
Joining the Massachusetts Police Association means becoming part of a strong, statewide community of law enforcement professionals who share the same mission, challenges, and pride in service. As a member, you’re not just supporting your own career—you’re standing shoulder to shoulder with thousands of officers across the Commonwealth, united in protecting our rights, advancing our profession, and building lasting connections. Together, we are stronger, and together, we make a difference.
Member Perks
As a member of the Massachusetts Police Association, you gain access to a wide range of exclusive perks and benefits designed to support both your professional and personal life. From scholarships for you and your family, to discounts on insurance, travel, and retail, membership goes beyond representation and advocacy. You’ll also enjoy access to training opportunities, recognition programs, and statewide networking events that strengthen our profession. MPA membership means more than a sticker on your windshield—it’s a community that invests in you.
Legal Defense
The Massachusetts Police Association’s Legal Defense Fund is one of the most valuable benefits we offer our members. It provides essential protection by covering legal representation for officers facing civil, criminal, or administrative actions that arise from the performance of their duties. In today’s challenging environment, having the peace of mind that you and your family are safeguarded against the high cost of legal defense is critical. The Fund ensures that when you serve and protect, the MPA stands ready to protect you.
As a member, you’ll have access to:
$4,000 Accidental Death & Dismemberment Benefit:
As a member or retiree of Massachusetts Police Association (MPA), you have a no-cost $4,000 Accidental Death & Dismemberment benefit. This benefit and others listed below are provided jointly through the MPA and American Income Life Insurance Company (AIL).
Members and retirees who sign up will be contacted by an AIL representative to arrange a convenient time with you to deliver your certificate of coverage, either virtually or in person, witness your beneficiary designation, register you for the AIL Plus program and provide your Child Safe Kits. AIL has other supplemental insurance benefits that may be available to you and your family. If you have questions, please call American Income Life Insurance Company at 1-800-495-1213 or Robin Andrade, AIL Public Relations, directly at 508-951-0353.
MPA Mortgage Discount Program:
The MPA Discount Mortgage Program is available to assist members purchase or refinance homes with ease. The MPA has partnered with CrossCountry Mortgage LLC., to create a discounted home mortgage program available to members and their relatives. As the only MPA-endorsed mortgage lender, they provide low mortgage rates, group discounts, free pre-approvals, and straight forward advice for MPA members and their relatives.
Mortgage programs are available for single family/condos, multi-family, 2nd homes, and investment homes.
*When using the MPA Discount-Mortgage Program:
- Free-Mortgage Pre-approvals available to assist MPA members and relatives in buying homes
- Free Appraisal (New) free appraisals on single family homes-purchase and refinance-at closing*
- Free Flood Certificate available when buying a home-at closing*
- Free Attorney Review of Purchase and Sale Agreements*
- Mortgage-Discounts on Attorney Fees-at closing*
- Mortgage discounts on Owner’s Title insurance and Homestead Act-at closing*
For more information: 877-672-6721 or [email protected]
Home, Auto & Pet Insurance:
MPA partners exclusively with Liberty Mutual to help members save hundreds with customized auto and home insurance.
* Call 1-888-607-1256 or visit Liberty Mutual to get a free quote.
*Savings validated by survey of participating MA new customers who switched to a Liberty Mutual policy between 05/2023 and 04/2024 with self-reported comparable coverage from their prior carrier. Savings may vary. Coverage provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries, 175 Berkeley Street, Boston, MA 02116. © 2025 Liberty Mutual Insurance
If your pet gets the best, then your pet should get Liberty Mutual Pet Insurance.
Liberty Mutual’s customized Pet Insurance delivers multiple policy options spanning accidents, illnesses and wellness with affordable coverage and the ability to select the percentage you’ll get back from each vet visit up to 90%, your deductible and your annual maximum. Fetch your quote today.
Legal/Terms & Conditions
Pre-existing conditions are not covered. Waiting periods, deductibles, benefit limits and exclusions may apply. For all policy terms, limitations, and conditions, please visit pet.libertymutual.com/mcofu. Wellness coverage reimbursements are based on a schedule. Products, rates, and discounts may vary by state and are subject to change.
Products are underwritten by Liberty Mutual Fire Insurance Company and affiliates, 175 Berkeley Street, Boston, MA 02116 and administered by Companion Protect Insurance Agency, LLC.
“Companion Protect” is a licensed insurance agency known nationwide (except in CA) as “Companion Protect Agency, LLC” (lowa license #1002314428); in California, it is known as “CP Pet Insurance Services, LLC” (CA license #0N14138).
Legal Advice:
We’re always on the lookout for association benefits that will be of real help and value to our members. Your newest MPA benefit is one that everyone can use: affordable legal advice, consultation and expert legal representation. It’s called the Ultimate Defender Legal Plan, and it’s an easy way for police in Massachusetts to get the professional help they need for personal legal matters.
Law enforcement officers are exposed to significant legal threats from every direction: from citizens, employers, supervisors, co-workers and governmental agencies. Recognizing the seriousness of the situation, since 1974 the Massachusetts Police Association and the firm of Reardon, Joyce & Akerson, P.C. have offered officers the ability to provide themselves with the highest level of individualized protection possible for $310.00. That amount covers every fee, cost and expense necessary to defend an officer.
Join Us
Call to Action
For over a century, the Massachusetts Police Association has stood as the steadfast voice of law enforcement—from the streets of Greater Boston to the Cape and Islands—dedicated to safeguarding the rights, benefits, and well-being of police officers across the Commonwealth. As Beacon Hill’s oldest and strongest advocate, the MPA ensures that officers have the collective bargaining power, legal defense, and legislative presence they need to serve effectively and safely. With more than 18,000 members accessing exclusive benefits—from legal aid and insurance discounts to scholarships and recognition awards—the Association’s impact is profound and far-reaching. Now, more than ever, we urge all active and retired law enforcement personnel to join the MPA: strengthen our voice, protect our rights, and advance the safety and professionalism of policing across Massachusetts.