Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 9, 2021

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The Brief

  • Many life insurance companies will consider firefighters as high-risk
  • The most affordable life insurance option for high-risk firefighters is term life insurance
  • The group life insurance provided through employers often does not provide more than $25,000 in coverage

Life insurance for firefighters is a must-have, given the dangerous nature of their job. However, because life insurance companies label them high-risk, finding an affordable policy can be a challenge.

Keep reading to learn more about group and term life insurance rates and how to find the most affordable coverage for your family.

Are you ready to find affordable life insurance for firefighters that meets your needs? Enter your ZIP code above to get free high-risk life insurance quotes from local companies in your area.

Can firefighters buy life insurance?

As you may be aware, providers use a life insurance risk class system to determine what rates individuals pay. Due to the hazards of their job, firefighters generally will be classed as high-risk by this system.

The reasoning behind this is sound; according to the CDC, firefighting comes with a plethora of risks and hazards. These include not only the fires they fight but also exposure to hazardous chemicals.

Despite the risk, many companies will still approve firefighters. However, like all high-risk insurance, the life insurance rates for firefighters are often well above average.

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What types of firefighter life insurance policies are available?

Generally, firefighters have two options when it comes to life insurance:

  • Fireman group life insurance that is offered through their employer, and;
  • Private life insurance that is purchased separately.

Both have their benefits. The primary benefit of group term life insurance is that it offers fantastic rates which private policies cannot match.

However, the main con of group life insurance is that the coverage amounts are very low, sometimes less than $50,000, depending on your location and provider.

Private insurance gives you more coverage, but the rates are considerably higher because of the high-risk classification of firefighting.

What is the most affordable life insurance for firefighters?

Those looking for firefighters’ life insurance will quickly conclude that affordability is the most challenging part of finding a policy.

While group life insurance policies are the most affordable option out there, their lack of coverage cannot be overstated.

Low coverage amounts can leave your family still swimming in debt or unable to pay bills, so while it is not a bad idea to purchase group life insurance, it is also not a good idea to depend on it solely.

Instead, we recommend supplementing your group life insurance with term life insurance.

For example, let’s say your group life insurance policy offers $25,000 in coverage, and you want a total of $100,000 in coverage.

Instead of purchasing a whole $100,00 policy, you can purchase just $75,000, thereby lowering your monthly rates.

This is a great way to make the most affordable coverage you offered through your work while still ensuring that your family is protected if the worst should happen.

If you choose to purchase a private policy, comparison shopping for life insurance quotes before you buy is a key part of finding affordable coverage.

Start comparing life insurance quotes for firefighters with our free tool below. Enter your ZIP code below, and we will help you find the right policy at the right price.