Life Insurance For Fire Fighters, Police Officers, and EMT’s

Written by Life-Wealth-Win

We help get life insurance for firefighters, police officers, and EMTs! At Life-Wealth-Win, we have a special place in our heart for our public servants and emergency responders! If you are looking for firefighter life insurance, police officer life insurance, EMT life insurance, or paramedic life insurance, you have come to the right place!

If you are putting yourself in harm’s way every day, running to the scene of the crime, putting out fires, or transporting injured people to the hospital, you deserve our thanks and gratitude!

People’s brains are wired differently! Some people want to put out fires, some people want to catch bad guys, and some people want to rescue others! Because more risk is involved in some jobs than others, having enough life insurance protection becomes a major concern for most emergency workers.

If I am an emergency worker, will the insurance companies charge me more for life insurance?

Even though these occupations can be more dangerous than other jobs, getting life insurance for police officers, life insurance for firefighters, and life insurance for EMTs does not differ from regular citizens. Insurance companies do not charge you extra fees, they will not disqualify you, and they will add no extra ratings that will drive up your life insurance coverage.

Why is life insurance important if I am an emergency worker?

When you are a police officer, you are putting yourself at great risk throughout your day. The same can be said of firefighters, EMTs, and other emergency responders. Because of this, the need for additional non-employer owned life insurance is very important.

Your employer provided benefits package may not offer adequate life insurance coverage to protect your family. Will the family you leave behind be able to survive without your income? Will they be able to maintain their standard of living and stay in your home?

How much life insurance coverage does your department offer, and is it enough?

Your employer provided life insurance benefit is often not enough to protect your family. Your employer may only provide one or two times your annual salary in life insurance benefits. This is nice of them to offer this temporary protection, but it is not enough money to protect your family if you die unexpectedly.

If you are a firefighter, have a family of three at home, and yet only have $50,000 of employer-provided life insurance policy, your family is at great financial risk! $50,000 is not a very big financial “safety net” to make sure your family will not have to make drastic financial cuts when you die.

The Firefighters, police officers, and EMTs we work with are often looking for more life insurance coverage because they feel their current department’s benefit plans do not offer enough life insurance. They are also worried that, if they get sick, lose their job, or get injured, they will lose their employer provided life insurance plan.

Is your employer owned group life insurance transferable?

If you switch departments or leave your line of work, your employer provided life insurance often cannot be taken with you. If you have had any changes in your health since your hire date, you may not be eligible for additional life insurance due to your health changes.

What kind of life insurance plans can firefighters, police officers, and EMTs get from the insurance companies?

The same kind of life insurance plans available to regular civilians is available to emergency workers! The specific insurance you need is going to depend on your unique circumstances and finances.

The less money you have in the bank or other investments, the more life insurance protection you should have. The common types of life insurance for most emergency workers and citizens are:

Term Life Insurance – Term life insurance will always be the most affordable life insurance option. It will get you the lowest rates for the greatest coverage. Term life insurance is purchased in 10, 15, 20, 25, and 30 year periods of time.

Permanent Life Insurance – Permanent life insurance policies guarantee lifetime insurance coverage at a fixed premium rate. A permanent life insurance policy will always cost more than a term life insurance policy. This is because a term life insurance policy has a specific end date and a permanent policy does not.

A guaranteed lifetime payout risk is factored into the premium of a permanent policy. This results in a higher premium rate. One advantage of permanent life insurance is it will never need to be renewed. You will also never need to reapply or do another paramedical exam if you keep paying your monthly or yearly premiums.

Non-Medical Exam Life Insurance – Non-medical exam life insurance policies are term life insurance policies where you do not have to take a life insurance paramedical exam to get approved.

Often, there is a limit on how much insurance you can get with non-medical life insurance plans. The non-medical life insurance policy limits range from $250,000-$400,000.

For many busy individuals, who need life insurance quickly and easily, a non-medical policy is a great way to purchase life insurance.

A fully underwritten paramedical exam term life insurance policy can take one to two months to get approved. A non-medical life insurance exam and approval can often be approved within a week or two.

What considerations will affect my life insurance rates as an emergency worker? Here are a few:

Age – Insurance companies will always look at your age when determining your life insurance rates. The younger you are, the better rates you will receive. Age is an advantage with life insurance!

Build – The insurance companies use “build charts” to help determine your life insurance eligibility. Not all people have the same height, weight, and width. If you are a firefighter whose chest measurement is greater than your waist measurement, you may get better life insurance rates than a police officer whose waist measurement is greater than his chest measurement.

Health History The insurance companies will always look at your past and current health. They will want to know if you are overweight, are taking any medications, or if you have any other health complications. Insurance companies are interested in understanding your health risk, so they can determine what rates to charge you.

Hobbies The insurance companies will also want to understand if you have any other hobbies that would place you at more risk of death or injury. Examples would be activities, like skydiving, scuba diving, bungee jumping, base jumping, rodeo riding, flying private aircraft, etc.

Lifestyle If you are a smoker or you use chewing tobacco, this will increase your life insurance rates and make your insurance more expensive.

How much life insurance should I have if I am an emergency worker?

A good rule of thumb is to have ten years of annual salary replacement income in life insurance protection. This is just a rule of thumb, and your individual situation may be different, but it’s a good starting point.

You want enough insurance money to give your family time to grieve properly, mourn your loss, and not have to worry about losing your home or paying the bills in the coming years.

Life insurance is one of the most unselfish gifts you can give your loved ones!

How do I get life insurance if I am an emergency worker?

You can get an idea of what your life insurance pricing will be by using our free online quote box on this website. You can also call us on the phone if you need more help or information. In general, the life insurance application process is as follows:

Filling out the application This takes about 15 to 20 minutes to answer basic questions about your health, your medications, and your lifestyle. If you are doing a fully underwritten policy, a medical exam will also be scheduled. If you are doing a no exam life insurance policy, then your work will be done at this point!

Taking the medical exam A health worker will be scheduled to come to your home at a time convenient for you. They will do a brief medical exam and collect blood and urine samples. This process takes 20 to 30 minutes.

Insurance underwriting A fully underwritten life insurance policy can take 6 to 8 weeks. The insurance company will review your application, your medical exam results, and your medical records. The insurance company will then decide whether to offer you a life insurance policy or deny your application.

Approval of insurance Once the underwriting process is complete, and you have been approved by the insurance company, your policy will be issued and mailed to you. You are now protected with your own life insurance coverage!

If you are doing a simplified issue life insurance policy, the insurance companies will simply look at your past medical records and prescription records.


Life-Wealth-Win Life Insurance and Wealth Services would love to help you get your loved ones, family, and business protected! Call us or get your free life insurance estimate by clicking the link below.

About Life-Wealth-Win
About Life-Wealth-Win

We work with individuals across the nation to secure the best life insurance rates.

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