Firefighters are one of the main lines of defense when any disaster strikes. Whether it’s a fire in a home or business, a natural disaster like a hurricane or tornado, a car accident or other life-altering occurrence, these men and women are often first on the scene and put themselves in harm’s way to protect the general public and help to keep us all safe.
Being a firefighter is a job that can be stressful, not only for the firefighters themselves but for their families as well. Because of the inherent dangers which accompany this line of work, unique insurance coverages are often essential to provide peace of mind for these people and their families.
Our company is based right here in Los Angeles, and we have the privilege of working with businesses of all sizes, industries, and structures to form their employee benefits packages and take on other administrative tasks. We even have experience working with municipalities to form their benefits packages, which is why today we will be discussing life insurance coverage for firefighters and why it’s an essential part of any benefits package.
Fire departments often offer a great benefits package, which is fitting for their employees who put their lives on the line. Like any other business, it’s their aim to recruit, hire and retain top talent. Firefighters certainly don’t hop from job to job like people in other professions, but the fire department still has a duty to provide sufficient benefits package to keep them happy and as stress-free as possible.
Due to the dangerous nature of the job, some firefighters have difficulty obtaining private life insurance on a personal level. This is unfair to them and their families, who would be left with a large financial burden should the worst happen.
For this reason, fire departments should, and often do, offer group life insurance coverage for their employees. The departments that offer a sufficient amount of life insurance coverage report happier employees, a longer average career length and better job performance overall.
If you are overseeing a fire department and seeking answers on life insurance coverage, we’re here to help. Our team of insurance experts can work with you to create the perfect coverage options for your team. We don’t offer a one size fits all solution, instead we craft the ideal coverage for your needs. In many cases, this can mean offering an employer-sponsored plan with the option for firefighters to choose differing levels of coverage which fit with their budgetary and coverage needs.
We also allow room to grow, change and evolve your coverage as needs change. While many companies offer a term life policy, we do offer universal and whole life options as well, which can cover employees for the entirety of their lifetime, not just for a given duration. If these options seem overwhelming, our team can help explain the differences and determine which coverage is right for your situation.
We would love the opportunity to provide the ideal life insurance coverage for firefighters. If you have questions or if you’re ready to get started, give us a call today!