First on scene, every shift. Your family deserves coverage that pays no matter how, when, or where — and follows you across every service, agency, and career move.
EMTs and paramedics carry real occupational risk — road time, scene hazards, exposures, and the long-term toll of shift work — yet EMS is one of the most underinsured groups in emergency services. Agency coverage is often small and tied to your job, and volunteer or private-service medics may have none at all.
We help EMS secure portable, individually-owned coverage with simple no-exam options that pays your family unconditionally and stays with you into retirement.
For EMTs, paramedics, AEMTs, flight medics, private-service and volunteer EMS, and the families who count on them.
Apply in minutes between calls. Coverage begins after approval and first payment.
Quote and apply with a licensed agent in one quick call.
Free, no-pressure virtual appointment around your rotation.
Request a free info kit and apply from home.
Get covered fast with no clinic visit or blood draw.
Read →What EMS really pays — and the factors that move your rate.
Read →How to choose the right policy and carrier for the job.
Read →Same risks, far less coverage — how volunteers close the gap.
Read →Yes. Many qualify with no medical exam, and the simplified-issue policies we place are priced on age and general health rather than a first-responder surcharge — often more affordable than medics expect.
Usually not. EMS agency and volunteer-squad coverage is often small and ends when you leave. An individually owned policy fills the gap and stays with you.
Yes. An individually owned policy pays your family no matter how, when, or where — unlike line-of-duty benefits that only apply on duty.
Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.
A licensed agent will reach out shortly. Meet Justin →