tree image

Helpling to make life better,Now.

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 $175k check paid to the beneficiary.

How does this compare to your current benefits?