Life insurance for firefighters & first responders

Firefighters and first responders can pay as little as $30 to $40 per month for life insurance. Wildfire firefighters may be subject to extra fees.

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By

Katherine MurbachEditor & Licensed Life Insurance AgentKatherine Murbach is an editor and a former licensed life insurance agent at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.

Edited by

Antonio Ruiz-CamachoAntonio Ruiz-CamachoAssociate SEO Content DirectorAntonio helps lead our life insurance and disability insurance editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.

Updated|7 min read

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Why firefighters & first responders need life insurance

Firefighters and first responders need life insurance to cover their financial obligations, just like anyone else. However, during the underwriting process, you might have to answer a few additional questions about your profession, depending on your job duties. 

Life insurance companies use a variety of factors, including age, gender, health, and lifestyle risk factors to determine the risk of insuring you and set your rate. If you have a high-risk specialty at work, you might pay more in premiums than someone with a different occupation. 

Some insurers have more flexible guidelines than others when it comes to hazardous occupations, so it’s important to shop around to find the policy that’s best for you.

Ready to shop for life insurance for firefighters or first responders?

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Best life insurance companies for firefighters & first responders

The best life insurance company for you will depend on the specifics of your profession, as well as other factors like age, gender, and health.

We used industry data, pricing from Policygenius carrier partners, and third-party ratings like A.M. Best and J.D. Power to pick the best insurers on the market. Our independent recommendations will help you get life insurance coverage with confidence.

Below are a few Policygenius partners that offer competitive rates for firefighters and first responders.

Methodology: How we chose the best life insurance companies for firefighters & first responders of 2023

We don’t get paid for our company reviews and use an extensive rubric of criteria covering policy details, price, financial confidence, third-party ratings, and customer experience to assign unbiased ratings out of five stars. Any recommendations we make are based on internal and external expert opinions and data from our Policygenius Price Index, which uses real-time rate data from leading life insurance companies to determine pricing trends.

Our ratings and reviews can help point you to an insurer you can rely on for your family’s financial protection, but the best life insurance company for you is dependent on multiple factors. A licensed agent at Policygenius can work with you through the application process so you’re getting coverage from the best insurer for your circumstances at the most competitive price.

→ Read more about our reviews methodology here

Best term life insurance for firefighters and first responders

Deemed one of our best overall life insurance companies, Banner Life offers affordable rates across many of its risk classifications. It also offers a no-medical-exam option for people with few health conditions or risk factors that allows you to skip the medical exam that’s a standard part of the application process

If you’re a firefighter or first responder and you don’t have a hazardous specialty, Banner Life is a great choice for term life insurance.

Best life insurance for wildfire firefighters or similar specialties

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2023 Policygenius award winner

Pacific Life

Pacific Life logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

No-medical-exam option

Why we chose it

Pacific Life offers some of the lowest rates for term life insurance across age brackets. It also has the most competitive rates for many health conditions and builds.

Pros and cons

Pros

  • Extremely affordable across age brackets

  • Affordable guaranteed universal life insurance option for people who need lifetime coverage

  • Favorable underwriting for many health conditions

Cons

  • Traditional term life not available in NY

  • There are better carriers for active duty military, people who have a history of alcohol abuse, and people who have been through bankruptcy

If you’re a firefighter who deals with wildfires, many insurers will view your application as an increased risk and may add a flat extra fee. Pacific Life can consider you without the extra fee, as long as you don’t participate in smoke jumping or deal with explosives on a regular basis.

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2023 Policygenius award winner

Prudential

Prudential logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.1

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

No-medical-exam option

Why we chose it

With nearly four million policyholders and 150 years to its name, Prudential offers competitive coverage options for seniors, as well as people with some of the most common medical conditions, including asthma, depression, and fibromyalgia.

Pros and cons

Pros

  • Good for people over 60

  • More flexible income requirements than some other insurers

  • Considers applicants with a variety of immigration statuses (visas and green cards)

Cons

  • Younger applicants will likely find better prices elsewhere

  • No-med option can end up requiring a medical exam most of the time

Prudential can consider wildfire firefighters without adding a flat extra, depending on the specific details of their job. To qualify for Standard rates, your work can’t involve handling explosives.

Transamerica

Transamerica logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

No-medical-exam option

Why we chose it

Transamerica is one of the oldest and largest life insurance companies, with over 12 million active accounts today. It offers affordable rates for almost every age, and you can even skip the medical exam if you fall under a certain age or coverage amount.

Pros and cons

Pros

  • Competitive rates for term life insurance

  • No-medical-exam available for qualifying applicants, including smokers and people between 60 and 70, which is rare

  • One of the fastest turnaround times in the industry for traditionally underwritten term policies

Cons

  • Term life not available in New York

  • Not a good option for people with a history of cancer, alcohol abuse, or asthma

Similar to Pacific Life, Transamerica will not automatically charge a flat extra fee for fighting wildfires — as long as you don’t work with explosives or participate in smoke jumping.

Best whole life insurance for firefighters and first responders

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2023 Policygenius award winner

MassMutual

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Why we chose it

MassMutual’s whole life insurance plan provides a lifetime coverage option that builds cash value with the potential to earn dividends.

Pros and cons

Pros

  • Strong financial stability ratings

  • Higher potential for dividends for whole life policyholders than many competitors

  • Good customer experience ratings

Cons

  • High term life premiums

  • Term life not available through Policygenius

MassMutual pays higher dividends to its policyholders than other insurers. The company has high customer experience ratings compared to other carriers and consistently receives high third-party financial stability ratings, which is especially important when purchasing a lifelong policy.

How working as a first responder may impact your life insurance application

Getting life insurance as a first responder is usually a good idea, and the profession isn’t typically deemed risky enough by insurance companies to cause a drastic increase in your rates.

If you’re gainfully employed as a first responder and have reliable income, you shouldn’t face any obstacles buying a policy due to your job. 

Some insurers may have stricter guidelines and limit you to a Standard risk classification if you work in law enforcement as a first responder (Standard is the third best risk classification, meant to depict an average level of risk).

If you specialize in high-risk cases — like bomb disposal, for example — you might have to provide more details about the specifics of your profession during underwriting, and you might end up paying more money in premiums.

→Learn more about life insurance classifications

How working as a firefighter may impact your life insurance application

If you’re a municipal firefighter, your rates may not be affected at all by your profession, but it depends on the specific insurance company you’re applying with. 

A firefighter’s life insurance application will likely contain some additional questions, including the following:

  • Do you work to contain wildfires?

  • Are you a smoke jumper/is smoke jumping part of your regular job duties?

  • Are you involved with any explosive plans or the use of munition?

Wildfire fighters are perceived to face greater risk on the job than other types of firefighters. If you’re a wildfire fighter, you’ll likely be limited to Standard rates — which is still the third best risk classification.

If your job involves participating in higher-risk activities like smoke jumping, you may need to pay a flat extra fee.

Flat extra fees are an additional charge per $1,000 of coverage you purchase. Common examples of flat extras include an extra $2 or $5 per $1,000 — so, if you have a $500,000 policy, you could pay an extra $1,000 to $2,500 per year.

Some insurance companies may not offer you coverage if you smoke-jump regularly as part of your work, or if you have another high-risk specialty such as working with explosives. 

Working with an independent broker like Policygenius can help you find the right coverage for you from an insurance company that meets your needs. At Policygenius, our experts are licensed in all 50 states and can walk you through the entire life insurance buying process while offering transparent, unbiased advice.

Best types of life insurance for firefighters & first responders 

The best type of life insurance for you will depend on your specific financial responsibilities and obligations. Below are the most popular types. 

If you’re not sure which type of life insurance is best suited for your situation, a Policygenius expert can help.

Term life insurance

Term life insurance is one of the most affordable life insurance options on the market. It’s the best option for most people looking to protect their income and provide their family with a financial safety net to cover any debts — including a mortgage or any personal loans.

If your primary concern is providing your family with a buffer to replace your income if something happens to you, term life insurance is the best option for you.

Permanent life insurance

Permanent life insurance is appropriate for people who are already maximizing contributions to other investment accounts and looking to buy life insurance to diversify their investment portfolio, or for people who have long-term protection needs, like dependents who require lifelong care.  

Most types of permanent life insurance, like whole life insurance, are on average five to 15 times more expensive than comparable term life policies, but the exact amount will depend on the type of policy you’re purchasing, as well as your age, gender, health, and other risk factors.

→ Learn more about the most common types of life insurance

Ready to shop for life insurance for firefighters or first responders?

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How much does life insurance cost for firefighters & first responders?

A 30-year-old firefighter with a non-hazardous specialty could pay as little as $29.97 for a life insurance policy with a $500,000 death benefit payout and a 20-year term.

People with hazardous occupations are often evaluated on a case-by-case basis by insurance companies. This means that your premiums will be highly dependent on your unique situation and the aspects of your job and day-to-day duties. 

Below are approximations of rates, but the best way to get an accurate life insurance quote is to have a personalized phone call with a Policygenius expert.

Term life insurance rates for firefighters & first responders 

If you’re a firefighter or first responder and you don’t have a hazardous specialty like wildfire fighting or smoke jumping, and you don’t handle explosives, you could qualify for up to the rates in the left hand column with some insurers. 

If you’re a firefighter or first responder and are involved in a more hazardous specialty during your day-to-day work, your rates may be closer to those in the right hand column below. 

Keep in mind if you regularly participate in high-risk activities at work — like handling explosives — you may pay a flat extra fee in addition to your base premiums.

Age

Gender

Non-hazardous specialty

Hazardous specialty

20

Female

$22.21

$33.24

Male

$29.02

$40.34

30

Female

$22.37

$33.48

Male

$29.97

$40.72

40

Female

$34.31

$51.99

Male

$41.17

$64.40

50

Female

$74.37

$114.46

Male

$95.91

$145.82

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Methodology: Average monthly rates are calculated for male and female non-smokers in Preferred and Standard health classifications buying a 20-year $500,000 term life insurance policy. Life insurance averages are based on a composite of policies offered by Policygenius from Banner Life, Brighthouse Financial, Corebridge Financial, Foresters Financial, Lincoln Financial, Mutual of Omaha, Pacific Life, Protective, Prudential, Symetra, and Transamerica, and may vary by insurer, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 06/01/2023

Whole life insurance rates for firefighters & first responders

Whole life insurance rates are significantly more expensive than term life insurance rates — especially if you have additional risk factors that may contribute to higher premiums. 

Below are whole life insurance rates with a Standard risk classification — meant to depict an average level of risk. You might be eligible for these rates if you don’t have a hazardous specialty like wildfire fighting or smoke jumping, and you don’t handle explosives.

But you may end up paying more or less depending on your specific occupation and the type of policy you’re seeking.

Age

Gender

$500,000 coverage amount 

20

Female

$293

Male

$360

30

Female

$421

Male

$502

40

Female

$623

Male

$768

50

Female

$994

Male

$1,188

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Methodology: Average monthly rates are calculated for male and female non-smokers in a Standard health classification buying a $500,000 whole life insurance policy from MassMutual. Rates may vary by insurer, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 06/01/2023

When should firefighters & first responders purchase life insurance?

Generally speaking, you should purchase life insurance as soon as you have the financial responsibilities that warrant a policy. Many people buy life insurance if they’re planning to purchase a home, get married, or have children.

Life insurance rates increase every year you wait to apply, because everyone is riskier to insure as they age. It’s smart to buy a policy when you’re younger, or as soon as you think you might need it, to secure competitive rates for the length of your term.

Benefits of life insurance for firefighters & first responders

A firefighter’s life insurance policy provides a financial safety net for loved ones if something happens to them — on the job or otherwise. The beneficiaries will be able to claim the death benefit for most causes of death, including illness or accident.

During my time working directly with clients as a life insurance agent, oftentimes people would have unique considerations due to their profession, but their motivation for buying coverage was the same — to protect their family.

You may need to consider a few additional factors depending on the types of work you do as a firefighter or first responder, but it’s still valuable to have the financial protection you need, especially if you have children, a spouse, or others who rely on you financially.

Life insurance for other occupations

Frequently asked questions

Should firefighters and first responders get life insurance?

Yes, if firefighters and first responders have dependents or debts their loved ones would have to cover in their absence, they should get life insurance.

Do firefighters and first responders have life insurance?

Firefighters and first responders may have some employer-sponsored life insurance, but I would recommend applying for an individual policy if you want to have more comprehensive coverage. You can keep individual policies regardless of whether you leave your job or change employers.

How much life insurance should firefighters and first responders get?

Firefighters and first responders should consider purchasing 10 to 15 times their annual income in life insurance coverage, though the exact amount will depend on your personal financial responsibilities.

Author

Katherine Murbach is an editor and a former licensed life insurance agent at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.

Editor

Antonio helps lead our life insurance and disability insurance editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.

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