Life Insurance for Firefighters

Firefighting is a dangerous profession, potentially making it difficult to find life insurance. If you're shopping for firefighter life insurance, you will likely see higher rates due to the increased risk. However, it’s important to obtain life insurance outside of the fireman group coverage to ensure your family is covered after you retire.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Fire department life insurance only lasts as long as you’re working
  • Additional life insurance will protect your family after you quit or retire
  • Factors other than firefighting impact life insurance rates

Firefighting is a dangerous profession, which can make it difficult to obtain life insurance. The best insurance companies have various policies designed for those in high-risk occupations.

Learn more about life insurance for firefighters in our guide below to help you determine if you need additional coverage.

Get free life insurance quotes for firefighters with our free comparison tool. Enter your ZIP code below to find the best life insurance rates in your area.

Do I need additional life insurance for firefighters?

As a firefighter, you might wonder why you need additional insurance when the department already provides fireman group coverage. According to the Insurance Information Institute, there are various ways in which additional life insurance can positively impact your family.

Firefighters usually receive coverage worth two to three times their annual salary. This usually isn’t enough coverage to protect your family.

Another problem is that the coverage only lasts as long as you’re working. Once you quit or retire from firefighting, you will no longer be provided with life insurance for firefighters. Additional coverage ensures your family still has a policy in place when you’re no longer working.

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What life insurance for firefighters is available?

The dangers associated with the job often result in firefighters being classed as the highest risk individuals. This limits the number of policies available but there are still plenty of options.

Term life insurance is a good option for firefighters during their working years. This is the most affordable life insurance for firefighters but only lasts for a specified period.

Firefighters can also obtain guaranteed universal life or simplified issue plans. These permanent life policies last for the remainder of the policyholder’s life.

Depending on the policy, a medical exam might not be required. However, the increased risk might result in lower maximum coverage.

How much does life insurance for firefighters cost?

The biggest impact on the rates of life insurance for firefighters is the profession itself. A job as high risk as firefighting will cause a life insurance company for firefighters to avoid offering most policies.

Other factors will also impact the life insurance rates for firefighters:


A firefighter life insurance company will look at the history of the applicant when determining eligibility and rates. Some of the aspects of your history they’ll look into include your family health history, criminal history, and any past drug use.

Current Health Status

Your current health has as much an impact on your insurability as your profession. A firefighter in good health is less risky to insure than one in poor health.


While a firefighter’s profession will be considered, so will their other hobbies. A person taking part in risky hobbies, such as scuba diving or skydiving, might find it more difficult to find affordable coverage.


Life insurance companies will look at various aspects of your lifestyle when considering coverage. A smoker will experience higher rates while a regular exerciser will see lower rates.

What should you expect when you buy life insurance for firefighters?

When you apply for firefighters life insurance, there are certain things that you should expect from the company. After sending in your application, the company will ask you a variety of health questions. This will be followed by a medical exam.

The biggest risk for denial of life insurance for firefighters is health-related. As a firefighter, you’re likely to suffer from smoke inhalation. Problems with your lungs could show up on medical exams, making it difficult to receive affordable coverage.

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Life Insurance for Firefighters: The Bottom Line

Firefighting is a risky profession, potentially making it difficult to obtain life insurance coverage. Several factors are taken into account when determining eligibility. Understanding the specifics of life insurance for firefighters will help you determine if you can obtain coverage.

To find affordable life insurance for firefighters, enter your ZIP code below to compare life insurance quotes from the top insurance companies in your area.

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