Beneficiary maintenance program
Annual beneficiary review at every department, so divorces, marriages, and new children are reflected on the certificate before the family has to argue it in probate.
Get a QuoteInsurance Programs / Member Benefits
Group Term Life Coverage.
Affordable group term life sized to honor what your members and their families have committed to. Guaranteed-issue benefits up to $50,000, voluntary buy-up tiers to $250,000, and a line-of-duty enhancement that doubles the payout when it matters most.
- Guaranteed-issue base benefit
- Voluntary buy-up & spousal/dependent tiers
- Line-of-duty enhancement & AD&D
Three coverage areas every chief, board, and spouse should understand before the first claim is ever filed.
What's Inside Group Term Life
The Coverage, Without the Jargon.
Three coverage areas every chief, board, and spouse should understand before the first claim is ever filed.
A department-funded base benefit up to $50,000 per member, guaranteed-issue at enrollment with no medical underwriting. New members onboard at the next monthly enrollment, with coverage effective the day the roster update is acknowledged.
Bundled With Group Term Life
The Services That Come With It.
Four services bundled with every Group Term Life program — because the day a family needs the policy is not the day to start reading it.
Survivor benefits coordination
Our advocate sits with the family, coordinates with PSOB and any pension survivor benefit, and handles the carrier on a single call. Funeral expense advances are issued inside 48 hours.
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Portability at separation
Members who leave the department can convert their coverage to an individual policy without re-underwriting — protecting the family even after the badge is turned in.
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Tax & estate planning consult
A complimentary consultation with an estate planner familiar with public-safety benefit stacking, so beneficiary designations are aligned with the rest of the survivor program.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so adding life coverage is the easiest decision a board makes all year.
01
Roster intake & census review
We onboard your full active and life-member roster, build the actuarial census, and confirm guaranteed-issue thresholds against the carrier's group requirements.
02
Benefit tier design & vote
We model three department-funded tiers ($25K, $35K, $50K) with voluntary buy-up, present the per-member-per-year math, and provide the resolution language for the board vote.
03
Enroll, bind, and brief
We bind coverage, run on-station enrollment for every shift, and confirm beneficiary forms are returned for every member before the policy effective date.
Why Group Term Life With VFIS
The Specialty Difference.
A retail group life policy was priced for a desk job. Hazardous-duty class, presumptive law, and line-of-duty enhancement are either excluded or quietly priced into a number that prices out volunteer rosters. Our programs treat hazardous duty as the underwriting baseline, not an exclusion.
Guaranteed-issue thresholds, beneficiary maintenance, portability at separation, and the stacking math with PSOB and pension survivor benefits — all answered by an advocate who has helped families navigate the worst day of their lives.
Get a QuoteFAQs
Questions About Group Term Life.
The four questions chiefs and boards ask most before binding Group Term Life — or before switching it onto an existing VFIS account.
Every active member of a covered fire, EMS, rescue, or 911 organization, plus life members where the bylaws allow. Spousal and dependent coverage is available as a voluntary add-on at every department.
Ready When You Are
Bring Group Term Life to Your Department.
A side-by-side comparison of three department-funded tiers, the voluntary buy-up schedule, and the per-member-per-year cost your board needs to vote on the program.