$50k
Avg LODD payout
10x
What experts recommend
90%
Of deaths aren't LODD
The conversation no one wants to have
You went to work today. Your family didn't think twice. What if you don't come home?
Your department has a plan. It's probably not the plan you think it is.
What page 2 reveals
- The "LODD trap": Most deaths aren't classified line-of-duty. The benefit you assume covers your family often doesn't pay out at all.
- The retirement gap: Your department life insurance ends the day you retire. Not after. The day of.
- Spouse blindspot: What does she need monthly to keep the house, the kids in school, and her sanity? It's almost never what the policy pays.
- The kids' college math: The number most families miss by 6 figures.
- The mortgage question: A lump sum vs. a paid-off house — what your spouse will actually choose, and why.
"My husband died of cancer at 47. The department called it 'not LODD.' I got $0 from his work policy. UTL's individual coverage is what kept us in the house." — Sarah, widow of EMS captain
This isn't a sales pitch
It's a calculator. A 4-minute read that walks through what your family actually receives, then helps you compare it to what they'd need.
If there's a gap, we can talk about how to close it. If there isn't, you'll know that too — and you can stop worrying about it.