First responders reading this article may be wondering one crucial question, and likely you have been putting off one of the most important purchases one can make in a lifetime. I understand, and there is a lot of confusion when it comes to this topic and specific question. Can firefighters get life insurance? With many years specializing in high-risk life insurance, here is what I can tell you on this topic.
So, can firefighters get life insurance? Yes, firefighters can get life insurance. Firefighters can be approved for life insurance at the same rates and premiums as any other consumer shopping for life insurance. Your health and overall risk profile will determine your eligibility for life insurance.
Hopefully, this is a breath of fresh air, and you are beginning to realize that you can get life insurance as a firefighter.
Luckily, I have more good news. Not only can you get life insurance as a firefighter, but you can likely get approved at cheap rates, and I’m even going to break down the specifics for you in this post.
If you stick around for 3-4 minutes, you should be well prepared to find the most reliable life insurance company and the lowest premiums possible as a firefighter looking for life insurance coverage.
However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.
You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.
You can do this easily by using our rate engine directly below.
Here are the details.
Obtaining Life Insurance as A Firefighter
Although some situations like this could be considered high risk life insurance, being a firefighter is not a situation to worry about when applying.
Like I stated previously, you can get life insurance as a firefighter. In fact, I’m shocked at the confusion and misconception that’s beginning to circle around the life insurance industry. You’re not alone in this thinking.
Life insurance for firefighters is 100% possible but many have believed they couldn’t get in the past.
A few stipulations may apply in rare circumstances, but most of the time, your life insurance will not be treated any differently than anyone else.
It’s that simple. Yes, you work one of the most dangerous jobs in the world, and we commend for you it. I personally worked law enforcement for nearly seven years before entering the life insurance industry.
This is one of the primary reasons this blog exists. I know about the misconception, and I do know that firefighters and law enforcement have this belief that they will be declined for life insurance or if they are approved it will cost too much money.
Absolutely 100% not valid.
The Life Insurance Applications Process as A Firefighter
When you want to apply for life insurance as a firefighter, the first thing you need to do is work with an independent life insurance agency and agent only. It’s the only way you can ensure that you get the cheapest possible rates and find the perfect match for the ideal life insurance company.
Working with a captive company such as USAA life insurance is only going to corner you with one option and only offer you one set of rates once you are applied. Not to mention the fact that if you are declined for coverage due to health reasons, you have no secondary options.
Just in case you re interested in more information about companies like USAA you can begin by reading our full USAA life insurance review here.
This will give you a better idea about what it’s like to only have 1 option when shopping for life insurance.
Working with an independent life insurance agent is going to allow you to pivot when necessary. Depending on your age, you may even decide it’s best to head to a product such as AIG Guaranteed issue life insurance.
This is a no questions asked policy that at least give you some option to turn to if things take a terrible turn. and if you want the run-down on that company, you can start by reading our AIG Life insurance review here.
Ratings You Expect as A Firefighter
Here’s more good news. Like I stated previously, it’s going to be extremely rare that being a firefighter will have any impact on your life insurance application in any fashion. You can still obtain preferred rates, which is the best class possible.
If you aren’t battling major health conditions, your chances of approval at preferred rates are very high. This means you can actively search for the more robust coverage at the lowest price.
Primarily when you work with someone who can offer you the ability to work with over 50 of the top-rated life insurance companies that we all know and trust.
Don’t Settle for Employer-Sponsored Life Insurance
We all know and understand the dangers of being a firefighter. Taking advantage of employer-based life insurance is a great idea. However, only relying on this coverage to protect your family is a big mistake.
Under employer-sponsored life insurance, you have zero control of the policy. You are simply a certificate holder, and your employer have 100% control of the arrangement with the life insurance company.
Now, let’s assume that you take this route and you get the average 2-3x multiplier of your annual salary as your coverage amount. This means maybe you have 200-300K in life insurance coverage. While this may be enough for the time being, try thinking about this from a different angle.
What’s your plan when you are now 52 years old, still need life insurance coverage and now have a health condition that can’t be approved on a private policy. I can tell you the answer. You have no plan because this is going to corner you into a bad situation that doesn’t have a great income.
Ensuring your family is protected from multiple angles and having full control of your life insurance policy is the only way to go and it’s borderline foolish not to take this advice especially now that you know that you can be approved at the top-class rates and shop dozens of life insurance companies.
What Should Firefighters Do to Get Started?
If you are now on board and realize how easy this process can be for you, you can begin by filling out the instant quote form on this page. This is going to allow you to compare rates with over 50 of the top-rated life insurance companies currently available.
It will also give you an idea of how cheap the rates may potentially be for you. Your family comes first and taking the first step is all that’s needed to get the ball rolling.
Final Word, Firefighters Can Get Life Insurance and At Great Rates
To re-emphasize one more time, firefighters can absolutely get life insurance, and they can get it at the cheapest possible rates. Don’t get stuck depending on that work-sponsored plan and thinking you are fully protected. You are not.
Always have a private policy in place so that you can know that you are genuinely protected no matter what the situation may be. Your spouse and children depend on this protection, and you deserve the peace of mind each time you get ready to begin a new shift.
So, what are you going to do about it?
FILED UNDER – HIGH RISK OCCUPATION LIFE INSURANC