Insurance for First Responders

Accidents can happen on or off the job. Coverage can provide cash benefits for covered accidents and injuries, such as fractures, burns, emergency treatment, ambulance transport, hospital stays, follow-up care, physical therapy, X-rays, MRIs, and more.

Benefits are typically paid directly to you and can be used however you choose.

Short-term disability insurance can provide weekly cash benefits if an illness or injury — on or off duty — keeps you from working for a limited period of time.

These benefits can help supplement your income and offset lost overtime, reduced pay, or other expenses while you’re on medical leave. Benefits are typically paid directly to you and can be used however you choose.

Cancer protection coverage can provide a lump-sum or scheduled cash benefit if you are diagnosed with a covered cancer. Firefighters often pay close attention to this type of coverage because of the increased health risks. Options include a Return of Premium rider, which can allow you to receive all of your paid premiums back if the coverage is not used, subject to the terms of the policy. Benefits can be used however you choose.

 Whole life insurance provides permanent life insurance protection that can stay in place for your entire life, as long as premiums are paid. It also builds cash value over time, which may be available through policy loans or withdrawals.

This can be useful for people who want lifelong coverage, final expense protection, or a policy that does not expire like term insurance.

 Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. It is often used to protect your family during the years when financial responsibilities are highest.

This can help cover things like mortgage payments, income replacement, children’s expenses, debt, and everyday family needs if something happens to you.

 Critical illness coverage can provide a cash benefit if you are diagnosed with a covered serious illness, such as heart attack, stroke, cancer, or other qualifying conditions depending on the policy.

The benefit can usually be used however you choose — medical bills, household expenses, recovery time, travel, or replacing lost income.