Group Term Life Insurance Benefit

Life can be unpredictable. Our Group Term Life insurance for volunteer fire departments, volunteer firefighters, emergency services organizations, and emergency medical responders (including first responders, EMS, EMTs, and paramedics) 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. Here are some features of the Group Term Life insurance provided through Provident and underwitten by New York Life Insurance Company:

  • Group Term Life insurance can provide 24 hour coverage which means benefits are payable whether on duty or not.
  • There are no medical questions for coverage to be issued. This group insurance is offered as guaranteed issue coverage.
  • A fire department or emergency service organization can purchase up to $100,000 of Group Term Life insurance per member. The program is flexible in that it is possible to have different levels of benefits for different classes of membership.
  • Dependent coverage is also available - we offer three options
Option 1: Spouse $2,500 Child(ren) $1,000
Option 2: Spouse $5,000 Child(ren) $1,000
Option 3: Spouse $10,000 Child(ren) $1,000
  • Plan Features include:  Accelerated Death Benefits, Continuance provisions, and Conversion Rights
  • Ease of administration with the help of our friendly support staff.


Request A Quote

Download our questionnaire for a free no-obligation quote (PDF). This form can be completed online and mailed or faxed to our office. In order to provide a quote for Group Term Life insurance, your volunteer fire department, EMS organization, or emergency service organization must supply a complete membership roster including dates of birth for all members as well as the benefit limits that are being requested (up to a maximum of $100,000).

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.

In addition to providing group term life insurance for volunteer firefighters, please read more about the other insurance products we offer:

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


Scott Fleischer
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