Firefighter Life and Accidental Death Insurance

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Firefighter life and accidental death insurance focused on superior coverage.

Firefighters put their lives on the line every day. The risks involved with the work they do are high, which is why they need specialized coverage for their occupation.

Firefighter life and accidental death insurance is specialized to the unique needs faced by firefighters on the job, including burns, falls, exposure to hazardous materials and dismemberment. This coverage is an essential group benefit for volunteer firefighters, career firefighters, as well as EMS responders.

What this coverage provides is a pay out to the financial dependents of firefighters, which can make up for some of the lost income if they pass away. Depending on the specifics of the policy, the coverage could last for either a limited period, until the firefighter reaches retirement age or until they pass away.

Since it is a variation on life insurance, the policy only pays out if the death is caused by accident or potentially homicide. Typically, it will only pay out if premiums are being paid for.

The coverage also pays out if the firefighter loses their vision, hearing, or limb in an accident. This policy can be standalone or included on top of traditional life insurance.

These coverages provided are not a substitute for workers’ compensation, which is necessary for most employers. And even though it only covers injuries or deaths which occur while on the job, it does pay out for things like death benefits, lost income, as well as medical bills.

Provide firefighters and EMS responders with the insurance coverage and peace of mind they deserve for the work they do day in, day out. Contact us today to discuss your options.

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