Fire & Rescue A&S

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.


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