Protection Built for Fire Families.
Real coverage for fire, police, and EMS, priced for the job you actually do.
Takes about 2 minutes. No obligation.
FIREFIGHTERS
Higher risk of esophageal cancer than the general population.
Source: NIOSH firefighter cancer study.
POLICE OFFICERS
Officers suffer a job injury serious enough for the ER every year.
Source: CDC / NIOSH injury data.
EMS PROVIDERS
The injury rate of the average U.S. worker — and most departments offer little backup when you can't work.
Source: U.S. Bureau of Labor Statistics.
How it works
Answer a few quick questions
Your role, your age, who counts on you, and what you're trying to protect or build. About two minutes.
See what actually fits you
We show the coverage worth a look for your situation: what each one does, what it doesn't, and roughly what it costs.
Decide on your terms
No login, no salesman, no obligation. Look on your own, or have a licensed specialist who works with first responders walk you through it when you're ready.
Not sure what you need?
Explore each type of coverage we offer.
Supplemental Life
Pays your family a lump sum if you die, on duty or off.
Cancer & Critical Illness
Pays you cash if you're diagnosed with cancer, a heart attack, or a stroke.
Accident & Injury
Pays you cash for the fractures, tears, and ER visits that come with the job.
What Your Department Covers,
and What It Doesn’t
Department Coverage
FPE Insurance
Follows you if you leave or retire
No
Yes
Pays you cash directly
No, pays medical bills
Yes, cash to you
Covers you off duty
Usually not
Yes, on duty or off
Amount you control
Set by the department
You choose
Cancer and critical illness lump sum
Rarely
Yes
Follows you if you leave or retire
Department
No
FPE Insurance
Yes
Pays you cash directly
Department
No, pays medical bills
FPE Insurance
Yes, cash to you
Covers you off duty
Department
Usually not
FPE Insurance
Yes, on duty or off
Amount you control
Department
Set by the department
FPE Insurance
You choose
Cancer and critical illness lump sum
Department
Rarely
FPE Insurance
Yes
Coverage varies by department. Check your own plan documents.
Building Cash Value for Retirement
A permanent life insurance policy that also grows savings you can use later — on top of the death benefit.
Part of your premium builds cash value inside the policy. That cash value can grow based on the performance of a market index, with a floor that protects it from market losses and a cap that limits how much upside it captures in a strong year — you get some of the market’s gains without being exposed to its losses. Growth is tax-deferred, and later in life you can access the cash value through policy loans or withdrawals, often used to supplement retirement income.
This is not a stock market investment and it isn’t FDIC-insured. Actual growth depends on the specific policy’s cap, floor, and participation rates, and on non-guaranteed index performance — it can vary year to year and isn’t a fixed return. Loans and withdrawals reduce the death benefit and cash value, and a poorly managed policy can lapse. Think of it as permanent insurance with a savings feature built in, not a replacement for a diversified investment portfolio.
Stay updated
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- ✓Early access to every product we launch
- ✓Direct input on what gets built