Banner image

Helping You Plan for the Future.

Group Term Life Insurance

Life can be unpredictable. Our Group Term Life Insurance* for volunteer, paid, and combination fire departments; volunteer firefighters; emergency services organizations; and emergency medical responders helps protect the financial independence and strength of their members’ families if the unexpected happens. Its important features and services offer survivors much more than just a benefit check.

Group Term Life Insurance Features

Here are some features of the Group Term Life insurance:

  • Group Term Life Insurance provides 24-hour coverage where benefits are payable on or off duty.
  • There are no medical questions for coverage to be issued. This group insurance is offered as guaranteed issue coverage.
  • A fire department or emergency services organization can purchase up to $100,000 of Group Term Life Insurance per member. The program allows for different levels of benefits for varying classes of membership.
  • Dependent coverage is also available in the following:
    • Option 1 – Spouse $2,500 – Child(ren)   $1,000
    • Option 2 – Spouse $5,000 – Child(ren)   $2,500
    • Option 3 – Spouse $10,000 – Child(ren) $5,000
  • Plan features include: Accelerated Death Benefits, Continuance Provisions, and Conversion Rights

Request A Quote

Download our questionnaire (PDF) to get a free no-obligation quote. Please complete this form online and send via email to In order for us to provide a quote for our Group Life Insurance, we need to gather basic information that includes such things as: how many members and employees the career, combination, or volunteer fire department or emergency services organization would like to cover as well as requested benefit limits.

Additional Products

In addition to Group Term Life Insurance, please read more about the other insurance products we offer for volunteer firefighters and first responders:

Contact our office to learn more about the insurance coverage available in your area.

*Coverage is subject to exclusions and limitations and may not be available in all US states and jurisdictions.

This information is a brief description of the important features of the plan. It is not a contract.

Coverage is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010 on policy form GMR-ER-P and administered by Provident.

The policy may have restrictions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued.  Rates are subject to change and may vary by age, location, and the level of benefits selected. For costs and complete details of the coverage, contact Provident at 1-800-447-0360.  Terms and conditions of coverage are set forth on policy form G-30175/GMR-ER-P-FACE. This policy and certain benefits may not be available in all states. The policy is subject to the laws of the jurisdiction in which it is issued. If requested, an insurance proposal will be issued. Please review the proposal for important coverage details and any limitations or exclusions.

About New York Life Insurance Company 

New York Life Insurance Company, founded in 1845 and a recognized leader in the group insurance field, is one of the largest and most respected life insurance companies in the nation. New York Life has received the highest possible ratings for financial strength currently awarded to any life insurer by all four major rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor’s (AA+), and Moody’s Investors Service (Aaa). Source: Third Party Rating Reports as of 6/9/16

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. New York Life’s state of domicile is New York, and NAIC ID # is 66915.