What Each Type of Coverage Actually Does

Straight talk on what we offer, what each one pays for, and — just as important — what it doesn't. Built for fire, police, and EMS, and it stays yours after you leave or retire.

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Supplemental Life

What it pays for
A tax-free lump sum to your family
When it pays out
On your death during the term
Who gets the money
Your beneficiary
Does it replace department coverage
No — it's on top of it, and it follows you if you leave.

Whole Life

What it pays for
A lump sum whenever you pass, plus cash value you can use while living
When it pays out
Anytime — it's permanent
Who gets the money
Your beneficiary (death benefit), you (cash value)
Does it replace department coverage
No — it's on top of it, and it follows you if you leave.

Accident & Injury

What it pays for
Cash for covered injuries and treatment
When it pays out
After a covered accident
Who gets the money
You
Does it replace department coverage
No — it's on top of it, and it follows you if you leave.

Cancer, Heart Attack & Stroke

What it pays for
A lump-sum cash benefit
When it pays out
When you're diagnosed with a covered condition
Who gets the money
You
Does it replace department coverage
No — it's on top of it, and it follows you if you leave.

Supplemental Life

Pays a tax-free lump sum to the people you choose if you die during your term — on duty or off. It's yours, not the department's, so it stays with you if you leave or retire, for as long as the term lasts.

How it works

  1. 1Apply and name your beneficiary.
  2. 2The carrier reviews your application — some options are no-exam, others a short paramedical visit.
  3. 3Once approved, your coverage is active and your rate is locked for the length of your term.
  4. 4If you pass away during the term, your beneficiary files a claim and receives the payout directly.

When it helps

  • Family who'd struggle without your income.
  • A mortgage or debts you don't want to leave behind.
  • A clear window where you need the most coverage for the lowest cost — a mortgage, kids at home, income-earning years.

What it does not do

  • It builds no cash value, and it ends when the term is up — nothing is paid if you outlive it.
  • Life insurance doesn't pay for injuries or illness while you're alive — that's accident, critical-illness, or disability coverage.
  • It's temporary by design. If you want coverage that never expires, see Whole Life below.
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Whole Life

Pays a lump sum to your beneficiary whenever you pass — there's no term to outlive — and builds cash value along the way that you can use while you're still living. It's yours for life, priced higher than term because it never expires.

How it works

  1. 1Apply and name your beneficiary.
  2. 2The carrier reviews your application — some options are no-exam, others a short paramedical visit.
  3. 3Once approved, your coverage is active for life as long as premiums are paid, and cash value starts building inside the policy.
  4. 4Your beneficiary is paid a lump sum whenever you pass; you can access the cash value yourself through loans or withdrawals while you’re living.

When it helps

  • Leaving something behind no matter when you go — there's no term to outlive.
  • Wanting predictable, guaranteed costs and growth instead of market-linked ones.
  • Building cash value you can tap later, on top of the death benefit.

What it does not do

  • It costs significantly more per month than term for the same death benefit.
  • Cash value builds slowly in the early years, and surrender charges apply if you cancel early.
  • It doesn't pay for injuries or illness while you're alive — that's accident, critical-illness, or disability coverage.

Looking for permanent coverage that’s tied to the market instead of fixed?

Learn how Indexed Universal Life works →
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Accident & Injury

Pays cash directly to you when a covered accident puts you in the ER, in a cast, or on the operating table. You decide how to spend it — bills, rent, the deductible, whatever the injury costs you.

How it works

  1. 1You're hurt in a covered accident and get treated.
  2. 2You (or we) file a simple claim.
  3. 3The plan pays a set cash benefit for the specific injury and treatment — fractures, dislocations, burns, ER and hospital visits, and surgery each have their own benefit amount.
  4. 4The money goes to you, not the hospital.

Worth knowing

It's guaranteed issue — no health questions, no medical exam to qualify. Benefit amounts are set per injury and per treatment, so a torn rotator cuff, a broken wrist, and a serious burn each pay their own amount. There's also a recovery benefit that pays a set amount per day for a short stretch (up to about a week) if an injury keeps you down after surgery or a hospital stay.

When it helps

  • The off-duty injuries a health plan leaves you paying for.
  • High deductibles and copays after an ER trip.
  • A surgery-and-recovery stretch when the bills pile up.

What it does not do

  • The recovery benefit is a short, fixed daily cash benefit (about six days) — it is not disability insurance and won't replace months of lost income.
  • It pays for accidents, not illness.
  • Covered injuries and amounts vary by plan.
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Cancer, Heart Attack & Stroke

Pays you a lump sum of cash when you're diagnosed with a covered serious illness — so a diagnosis doesn't also become a financial crisis.

How it works

  1. 1A doctor diagnoses a covered condition — cancer, heart attack, or stroke, depending on the plan.
  2. 2You file a claim with the diagnosis.
  3. 3The plan pays a lump sum — you choose the benefit amount when you enroll.
  4. 4The cash is yours to use for anything: treatment, travel, time off, the mortgage.

Worth knowing

These pay on diagnosis, not on bills — the money is yours regardless of what your health plan covers. Most plans have a short waiting period (about 30 days) at the start before a diagnosis is covered, and cancer and heart-attack/stroke are often separate benefits you can combine.

What it does not do

  • Critical-illness coverage is for surviving a covered event — it is not life insurance and does not pay for sudden cardiac death (a covered "heart attack" has a specific medical definition that excludes sudden cardiac arrest).
  • Recent related medical history can affect a claim in the first couple of years on some plans, so be upfront about your history when you apply.
  • Covered conditions and definitions vary by plan.
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The rest of what we offer

Disability Income

Replaces part of your paycheck when an injury or illness keeps you from working — the gap most department and health coverage leaves wide open.

Short-term vs. long-term

Short-term disability covers a stretch of weeks to months; long-term disability picks up for longer, more serious situations. First responders are often rated favorably for occupation on these plans.

What it does not do

  • It replaces a portion of income, not all of it.
  • Benefits start after a waiting period and run for a set benefit period, not forever.
  • It's income replacement — distinct from the fixed, per-injury cash an accident plan pays.
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Medicare Supplement

For those on Medicare, fills the gaps Original Medicare leaves — deductibles and coinsurance. Multiple plan options.

Hospital Indemnity

Pays cash for hospital stays — a strong companion to Medicare Advantage.

Final Expense

Smaller whole life coverage built to cover funeral and end-of-life costs, with simple qualification.

Annuities

Turn retirement savings into guaranteed, predictable income.

See what coverage would cost you.

Check My Price

Coverage details, covered conditions, benefit amounts, and availability vary by plan, by carrier, and by your state. Nothing on this page is an offer of coverage or a quote.