Life & Health Insurance for First Responders

LIFE & HEALTH INSURANCE FOR FIRST RESPONDERS

CANCER & CRITICAL ILLNESS

Employee Benefits We Offer:

Medical (Traditional & H.S.A.'s)
Dental
Vision
Group Term Life
Short/Long-Term Disability
Accidental Death & Disability
LOSAP

401(k)
403(b)
Succession Planning
Key-Person
Long Term Care
Critical Illness
Cancer

LIFE INSURANCE

Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind. First Responders put their lives on the line every day but like to think that they are invincible. Don’t wait until something devastating happens. There’s no time like the present to purchase a life insurance policy to provide cash to your loved ones after your death. It can make a difference!

LIFE INSURANCE RESOURCES

HEALTH INSURANCE

One Size Does Not Fit All!

"We offer plans from over 5 insurers with designs tailored to your employee needs at a cost your Business can afford!"

Our Services Include:
1. Bidding your plans with all our insurers
2. Recommendations for the most Cost-Effective approach to attain your goals
3. Open Enrollment Kits
4. Open Enrollment Meetings
5. Open Enrollment Processing
6. New Hire Enrollment Kits
7. New Hire Orientation (via Phone unless there are several employees at one time)
8. New Hire Enrollment Processing
9. Payroll deduction spreadsheet provided at completion of Open Enrollment
10. All Claims issues are to be forwarded to our office and we will work with the employee
or dependent

Carriers We Represent:
1. Aetna
2. United Healthcare
3. Blue Cross Blue Shield
4. Humana
5. Colonial
6. AFLAC
7. The Standard
8. UNUM
9. Dental Select
10. Mutual of Omaha
11. Principal
12. Metlife

CANCER & CRITICAL ILLNESS

Your responders selflessly face many risks while they serve and protect your community—and they deserve the best insurance protection available. A serious illness could happen at any time, impacting them physically, emotionally and financially. Critical Illness Insurance can help by offering a lump sum payment for covered illnesses and give your paid and unpaid personnel financial benefits to help them through these tough times.

SFFMA and VFIS of Texas have secured a Group Cancer / Critical Illness Insurance Plan that provides 24 hour (on the job and off the job) coverage.

This Cancer / Critical Illness Insurance is available to employers (paid & volunteers) and individual members.

Invasive Cancer Benefit
In-Situ Cancer Benefit
Heart Attack Benefit
Stroke Benefit
Kidney (Renal) Failure Benefit
Coronary Artery Bypass Benefit
Organ Transplant Benefit
Coma Benefit
Loss of Sight, Speech or Hearing Benefit

Eligibility

All active, employees, including paid and unpaid personnel, of the (Policyholder) under age 75
All Eligible Spouses of Class I Insureds
All Eligible Dependent Children of Class I Insureds

If a husband and wife are both eligible to be covered as Insureds, one but not both, is eligible for dependent coverage for their Eligible Dependent Children.

Group policy issued to your organization (“the Policyholder”)
Eligible employees, including paid and unpaid personnel, are automatically covered
Includes coverage for eligible spouses and dependents
Benefits are paid directly to the covered insured

To Enroll