Firefighter Life Insurance [Rates, Options +Helpful Tips]

firefighter and police life insurance

Firefighter Life Insurance. Best Options, Rates and More

Firefighter Life Insurance is 100% Absolutely Necessary

Firefighter life insurance is 100% possible to achieve.  In fact, firefighter life insurance is treated the same by most life insurance companies when it comes to pricing, options, and approvals.

Individuals are led to believe that firefighter life insurance would drop them into a class of high-risk life insurance.

One fact is certain.

It’s a dangerous occupation with a lot of risks and we greatly appreciate your service.

Life Insurance for firefighters and first responders can have a more significant meaning for several reasons compared to your typical life insurance consumer.

This could hold true whether your a Chicago Firefighter or a small town Firefighter.

Life Insurance for firefighters, police officers or even military personnel needs a little bit of extra TLC through the planning process but we typically don’t see any issues or price increases.

In fact, we always recommend comparing rates with over 50 of the top rated life insurance companies. As a firefighter, you can still achieve preferred rates.

Simply use our instant quote tool below to get a gauge on how much life insurance may cost you.

If however you simply just need the information, then let’s move on and cover everything you need to know about firefighters and life insurance.

Life insurance for firefighters can seem tricky for the mere fact that takes the chance each day of something undesired happening in the line of duty.

Especially in the ever-changing society, we are living in today.

It seems these professions have only gained more exposure to risk and uncertainty if you will be finishing your tour of duty for the evening.

Firefighter Life Insurance

Individuals often ask, can firefighters get life insurance? Most likely, the fear comes down to understanding your job is risky and your curious as to how the life insurance company may view your particular application.

The good news is that the impact is actually minimal and life insurance for firefighters is perhaps one of the more simple applications to take.

We even a full post on this topic if firefighters can get life insurance that you can see here.

You can even be approved at preferred rates (top class) as a firefighter looking for life insurance.

The same applies to police officers. It’s easier than you think.

Here Are the Details

Life Insurance for Firefighters and First Responders and the Significance.

If you are a firefighter that has been on the fence about purchasing life insurance coverage or even someone looking for the best life insurance for police officers, try thinking about the situation from another angle before doing anything else.

Your family needs and deserves more coverage for a few simple reasons.

More frequent acts of violence against police officers and first responders including firefighters have led to huge spikes in violence across the country.

More shootings, more ambushes and more chances of this profession being the reason you ultimately lose your life.

We are however frequently asked, how much life insurance do I really need?

Do things change because you’re a police officer or firefighter or any other form of a first responder?

Well, it’s it’s possible but life insurance for firefighters and police officers is most likely no different than anyone else.

That main point is that out of the thousands of possible job fields your everyday consumer works, life insurance in these fields of work is an absolute must.

No argument about it.

How much life insurance firefighters need is a completely different task to tackle.

The same applies to how much life insurance a police officer should attempt to get.

It takes a little more special planning to determine.

The good news is we will touch on that as well.

Do you currently have enough life insurance to protect your family? Let’s first cover some of the basics.

What’s The Best Life Insurance for Firefighters?

Let’s start by saying that the best life insurance for firefighters comes down to one simple option. Enough and plenty of it.

Stop relying on your work-sponsored coverage. Firefighters need more life insurance coverage than this.

You retire young, your in danger every day and often times, your income is high enough to allow your spouse not to work.

This is alone is a reason to make sure if you are a firefighter needing life insurance that you keep reading to find out what to do next and to move through the life insurance application process.

As far as police officers, we actually have a blog post that you can read here that discusses life insurance for police officers in full depth.

Let’s start with looking at options for all first responders.

Life Insurance for Firefighters and First Responders

This is your longer version of the answer.

Term Life insurance for Firefighters

Term life insurance will suffice just fine for firefighters needing life insurance and is also great life insurance for first responders in general.

It’s going to provide for your family in the event something happens to you.  It’s also easily affordable for duration’s that will take you until at least retirement age.

You should however always consider running your term life insurance policy well past retirement when possible and when it’s affordable for your budget.

Term life insurance for firefighters should also carry no additional price tag even though you’re working a higher risk occupation.

However, it’s possible that it could if you select the wrong company or agency to work with.  This is huge mistake consumers make when working these dangerous occupations.

You see…

firefighter life insurance

A lot of occupations could potentially land you into a higher risk class that’s assessed what’s known as a “flat extra charge” on your life insurance policy.

Occupations such as

  • Pilots
  • Deep Sea Fisherman
  • Hazmat Truck Drivers
  • Bomb Diffusers
  • Helicopter Pilots

Could easily land you into the category of “higher premiums” for your life insurance.

The trend we have seen however is life insurance for firefighters does not add these charges except in very limited circumstances.

It is possible that you are asked additional questions regarding your occupation by the life insurance company.

Questions That Apply to Firefighter Life Insurance During Underwriting

  • What geographical area do you work?
  • Are You A Speciality Fire Firefighter? Rescue Squad?
  • Do you have any special certifications

Are you in a more dangerous sub field of the profession such as


If you are, the flat extra is possible.  I know when I worked at New York Life, they accessed a flat extra charge for county jail correctional officers.

It just depends on the company and your circumstances but since becoming an independent life insurance agent I have never seen a firefighters life insurance be increased in price.

Not once.

More Term Life Insurance For Firefighters and The Coverage Duration Possible

  • 10 Year Term
  • 15 Year Term
  • 20 Year Term
  • 25 Year Term
  • 30 Year Term

Suggestions for Firefighters Needing Life Insurance

We always recommend locking in a level premium term policy and considering your needs from every angle.

If you are in your twenties, consider locking up a term life insurance policy for 30 years.

Most likely with how young firefighters retire, this will take you to your last tour of duty or very close to it.

If you are already close to that retirement age, consider trying a shorter-term duration.

However, keep in mind that just because you are retired does not mean that your need for life insurance disappears.

You most likely just got your more mortgage down into its final years and possibly squared up everything for a clean easy break into retirement.

Your family still most likely depends on you for some form of financial support.

This holds true even more with police officers or firefighters.  These are two of the highest demanding careers due to bad shift work and long hours.

I know because I worked this field of public service and law enforcement. For nearly 8 Years before founding Good Life Protection.

Often, the spouse is a homemaker or stayed home with the children throughout your working years.

If that’s the case then the need for coverage extends well into retirement because your spouse could potentially have no marketable traits for a career that could replace the income she or he has grown accustomed to once you meet your maker.

Okay, now we need to cover everything about Firefighter life insurance and go in-depth for a moment.

Firefighter Life Insurance And What To Expect

If you’re currently a firefighter, you are going to be in the same boat you just read about for life insurance for police officers.

Most likely we can obtain the lowest possible rates for you but a chance is always present that you also get hit with the flat extra charge we discussed previously in this article.

They want to know when you are likely to die. I know it sounds terrible but again, the truth hurt.

Knowing when you are likely to die helps them build mortality tables and adjust rates not only for now but for the future. It’s how the entire life insurance industry was built and how it works. Plain and simple.

Let’s look at what I’m referring to when it comes to firefighters and what could impact your life insurance application and overall prices that you will have to pay.

The first thing to keep in mind is that fires, burns, and injury aren’t the only possibilities for serious injury or death for firefighters.

Nearly 100 firefighters passed away in 2017 due to sudden cardiac arrest and motor vehicle accidents.

There is always more danger then it may seem at first glance.

It’s also possible you work for one of the most dangerous cities to be a firefighter such as

  • Chicago
  • St Louis
  • Detroit
  • New Orleans
  • Camden
  • Los Angeles

You see…

Life insurance companies want to know this information because all this information is…to be honest, extremely important.

We as the life insurance agent have absolutely zero control of the life insurance rates you get.

The rates are pre-set by the carrier and are locked in all 50 states.

The rates are approved by the insurance commissioner in each state as well.

Long story short, the more information they know up front, the easier they can decide on your life insurance rating or whether to provide coverage at all.

You may even be looking at a life insurance policy that excludes the coverage if you expire due to your profession although this extremely rare.

Like we said before, most of the time we can get you life insurance as a firefighter at the same rates as a local plumber but that’s not a promise.

Life Insurance for Firefighters and Exclusion Scenarios

An example of this could be for pilots.  Instead of paying that flat extra charge, you may just have the life insurance coverage for any form of death except when operating a form of aircraft.

I have coverage through work.  I don’t need anymore!


You do need it and more of it.  Life insurance coverage through work or your employer essentially adds up to nothing.

It’s a nice bonus if something happens to you while the coverage is active.  Outside of that perk, it should never be used as a primary planning tool for protecting your family.

Life insurance for firefighters is no different.

It should be more priority and top of mind for police officers and firefighters to have plenty of life insurance coverage to cover the chances of something happening.

It’s recommended an individual to have 7-10X your yearly income and last year the average salary for firefighters and police officers was very close to 50,000.00 Countrywide.

That means we recommend an absolute minimum of 350,000.00 in life insurance coverage but ideally, 500,000.00 would be more ideal.

This also needs to be considered based on

  • Number Of Kids
  • Total Debt
  • Mortgage Balance
  • Current Age
  • Spouses Working Status

In wouldn’t take much for Good Life Protection to recommend 1,000,000 plus in life insurance coverage if the shoe fits.

Employer-Sponsored Life Insurance For Firefighters

You have zero control of the coverage.

Yes, you sign up for it. Yes, you often pick the coverage amount you would like up to a maximum.

Often a very small maximum.

You pay the premiums.  Most likely they are deducted straight from your paycheck.

Outside of that, you can’t really control when the employer decides to terminate the life insurance and it’s often not portable.

What does portable life insurance mean?

It simply means when you retire or leave, it’s not coming with you.

This will typically leave you several years older, most likely with more health conditions developed and no coverage to protect your family.  You may even have 5-10 years of firefighting work left before retirement.

Therefore, we like to emphasize the answer to the question.

What’s the best life insurance for firefighters?

Plenty and coverage outside of your employer is a great start.  

It shouldn’t require you to drain your savings to find affordable term life insurance as a firefighter or even another form of a first responder.

Do keep in mind that your health matters as well.

Health Factors For Firefighters Seeking Life Insurance Coverage

  • Height and Weight
  • Current Medications
  • History of Cancer, Stroke, Heart Attack or Diabetes?
  • Family History
  • Drug Abuse ( See Risk Factors For Law Enforcement)

All of these items can ultimately determine your chances at great rates and overall approvals for life insurance.

Final Word, Firefighters Need Life Insurance and Can Achieve Great Rates

For the most part, firefighter life insurance is treated the exact same as most other professions if handled with care and expertise.

Same goes for other first responders.

Talk to an agent who can get you the best deal. That’s where Good Life Protections comes in.

Whether you’re a firefighter or any other form of a first responder or any other profession within law enforcement, life insurance is an absolute must.

You are exposed to heavy risk every day.  Your family depends on you heavily financially in most circumstances.

You most likely retire younger than most other professions which can lead you to believe some of the outside financial planning is coming to an end.

It’s typically not and we are here to help.  Reach out to Good Life Protection and allow us to find a plan that fits you and your family needs.

If your ready to protect your family fill out the form on the right to see if you’re life insurance rates with over 60 of the top life insurance companies.