Pricing for Firefighters & First Responders
Firefighters Living Benefits
Living Benefits can offer an unrestricted cash benefit to assist you at a critical time. Protect the money and assets you have saved for retirement and other life needs.
Protecting Our First Responders
Payroll Deduction
Portable
Living Benefit
$2mm Living Benefit | $2mm Death Benefit
Up to 95% of the face amount can be advanced as a lump sum, tax-free benefit paid to the beneficiary
Death Benefit
Tax Free lump sum paid upon death of insured
Cancer Protection (all major cancers)
Major invasive cancer
Cancer Illness (18 triggers)
Heart attack, stroke, end-stage renal failure, major organ transplant, severe organ disease, ALS, dementia, major multi-organ trauma, etc.
Chronic Illness
2 of 6 Activities of Daily Living (ADL's)
Terminal Illness
Death benefits paid with less than 12 months to live, 24 in some states
Your Policy is Convertible
See benefits specialist for conversion info
Underwriting & Approval
No medical required up to $1mm*
*Please contact your benefits specialist for details regarding policy benefits acceleration.
*Benefits may vary by state. Above information not intended to provide medical or tax advice.
*Benefit amount determined by severity of illness, supporting medical information and other factors.
First Responders
Weekly Pricing
Male
NT: Non-Tobacco T: Tobacco User
|
$150k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.63 | $7.78 |
| 31-35 | $3.88 | $9.07 |
| 36-40 | $5.05 | $12.21 |
| 41-45 | $6.97 | $18.21 |
| 46-50 | $9.75 | $27.50 |
| 51-55 | $14.52 | $39.66 |
|
$251k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.19 | $8.02 |
| 31-35 | $3.47 | $9.27 |
| 36-40 | $4.44 | $13.28 |
| 41-45 | $6.29 | $18.75 |
| 46-50 | $8.94 | $27.75 |
| 51-55 | $13.55 | $41.85 |
|
$350k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.94 | $10.67 |
| 31-35 | $4.32 | $12.41 |
| 36-40 | $5.68 | $18.00 |
| 41-45 | $8.25 | $25.64 |
| 46-50 | $11.96 | $38.19 |
| 51-55 | $18.38 | See agent |
|
$500k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $4.97 | $14.58 |
| 31-35 | $5.40 | $16.63 |
| 36-40 | $7.13 | See agent |
| 41-45 | $10.91 | See agent |
| 46-50 | $16.31 | See agent |
| 51-55 | $25.27 | See agent |
Female
NT: Non-Tobacco T: Tobacco User
|
$150k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.34 | $6.42 |
| 31-35 | $3.57 | $7.19 |
| 36-40 | $4.54 | $9.91 |
| 41-45 | $5.99 | $14.48 |
| 46-50 | $7.84 | $20.67 |
| 51-55 | $10.50 | $30.03 |
|
$251k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.03 | $7.10 |
| 31-35 | $3.25 | $7.86 |
| 36-40 | $4.01 | $11.06 |
| 41-45 | $5.42 | $15.66 |
| 46-50 | $7.37 | $22.33 |
| 51-55 | $10.24 | $31.49 |
|
$350k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $3.03 | $7.10 |
| 31-35 | $3.25 | $7.86 |
| 36-40 | $4.01 | $11.06 |
| 41-45 | $5.42 | $15.66 |
| 46-50 | $7.37 | $22.33 |
| 51-55 | $10.24 | $31.49 |
|
$500k / 10 Year 10 year
|
||
|---|---|---|
| AGE | NT | T |
| 21-30 | $4.32 | $12.10 |
| 31-35 | $4.75 | $13.93 |
| 36-40 | $6.27 | $19.77 |
| 41-45 | $9.18 | See agent |
| 46-50 | $12.96 | See agent |
| 51-55 | $18.79 | See agent |
Benefit Pricing and approval requires completion of full electronic application with no additional requirements in most cases. An underwriting decision is made using information from the application, MIB and the RX database. Additional requirements may be necessary on certain applications, depending on past health issues. Additional requirements may be necessary for policies over $1mm. See your representative with questions. Pricing based on Preferred rate class for 10-year Guarantee.
*Example Policy:
With a $350k benefit with average 50% payout for a qualifying critical illness, that would mean a $175 check paid to the beneficiary.
How does this compare to your current benefits?