What you may already have
Check your own benefits paperwork, since every department differs.
- Group life insurance through your employer, often a multiple of salary
- Line-of-duty death benefits from your state or municipality
- The federal Public Safety Officers' Benefits program, for eligible line-of-duty deaths
- Coverage through a union or association
Where the gaps are
Line-of-duty benefits pay only for deaths that meet their definition. Most deaths, including those of first responders, are from illness or off-duty causes. Group coverage through work is often modest, and it usually ends or shrinks when you retire, change departments or leave on disability.
How insurers view the job
Most life insurers offer standard pricing to police officers, firefighters and EMS workers. A few specialized assignments, such as bomb disposal, wildland smokejumping or aviation units, may get extra questions or a higher price. Health, tobacco use and driving record matter more than the badge.
Why own a policy yourself
A policy you own goes with you through transfers, promotions and retirement. Buying while you are young and healthy sets the price on your current age and health, before the wear of the job shows up in your medical records.
Common questions
Does private life insurance pay if I die on duty?
Yes, a standard life insurance policy pays for covered deaths on or off duty, subject to the policy's terms and exclusions. Read any exclusions before you buy.
Will my job make me uninsurable?
No. First responders buy life insurance every day, generally at the same rates as other applicants with similar health.
Can volunteers get coverage?
Yes. Volunteer firefighters and EMTs apply like anyone else and should mention their volunteer role on the application.
This page is general information, not insurance, legal or tax advice. Policy terms, eligibility and pricing vary by insurer and state. A licensed insurance agent can explain the specific products they offer.