Our Accident and Sickness policy for fire departments is backed by an AM Best A+, XV company. We have built our custom A&S policy to provide benefits designed to mitigate the physical and financial risks faced by volunteer fire departments. Applicants can customize benefit offerings and limits based on their own budget.
Benefits
Loss of Life Benefits
Accidental Death Benefits
Seat Belt Benefit
Safety Vest Benefit
Military Death Benefit
Illness Loss of Life Benefit
Dependent Child and Education Benefit
Spousal Support and Education Benefit
Memorial Benefit
Dependent Elder Benefit
Repatriation Benefit
Lump Sum Living Benefit
Accidental Dismemberment and Paralysis Benefit
Vision Impairment Benefit
Injury Permanent Impairment Benefit
Heart Permanent Impairment Benefit
Illness Permanent Impairment Benefit
Cosmetic Disfigurement Resulting from Burns Benefit
HIV Positive Lump Sum Living Benefit
Weekly Income Benefits
Total Disability Benefits
Partial Disability Benefits
First Week Total Disability Benefit
Coordinated 28 Day Total Disability Benefit
Extended Total Disability Benefit
Long-Term Total Disability Benefit
Cost of Living Adjustment Benefits
Occupational Retraining Benefit
Medical Expense Benefits
Medical Expense Benefit
Cosmetic Plastic Surgery Benefit
Post-Traumatic Stress Disorder Benefit
Critical Incident Stress Management Benefit
Family Expense Benefit
Family Bereavement and Trauma Counseling Benefit
Additional Benefit Offerings
Weekly Injury Permanent Impairment Benefit
Transition Benefit
Felonious Assault Benefit
Home Alteration and Vehicle Modification Benefit