Police, fire, and EMS run toward what everyone else runs from. Your family deserves protection that pays no matter how, when, or where — and stays with you long after the job.
Line-of-duty benefits and department group coverage help — but they’re conditional. LODD benefits only apply on duty, group coverage ends at retirement, and pension survivor benefits are reduced and tied to your election. The gaps show up at the worst possible time.
We help first responders secure portable, individually-owned coverage with simple no-exam options — protection that pays your family no matter how, when, or where, and stays with you into retirement.
For police officers, firefighters, EMTs and paramedics, dispatchers, corrections, and the families who back them.
How to choose — and what it should actually cost.
Read →PSOB, state, and pension benefits — and the gaps families hit.
Read →Get covered fast with no clinic visit or blood draw.
Read →Why department coverage falls short for the fire service.
Read →The three gaps in department and pension life insurance.
Read →Why coverage ends when you retire — and how to keep yours.
Read →Individually-owned life insurance built for police, firefighters, and EMS — portable coverage that pays your family no matter how, when, or where you pass, unlike line-of-duty benefits that only apply on duty.
Usually not. Department group coverage is typically one to two times salary and ends at retirement, and line-of-duty benefits are conditional. An owned policy fills the gaps and stays with you for life.
Yes. Most first responders qualify for simplified-issue coverage with no exam, often approved in a day or two and priced on age and health rather than a high-risk-occupation surcharge.
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 →