Life Insurance for Firefighters (Discounts & Rates)

Life insurance for firefighters is $157/month, which is $148 more than average. Firefighter life insurance can be cheaper through the workplace, but is often only term life insurance and has fewer options available. Compare multiple companies and shop around to find the best affordable life insurance for firefighters.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 14, 2021

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The Highlights

  • Firefighter life insurance is considered high-risk life insurance
  • Life insurance rates for firefighters are $148 more expensive monthly than average
  • Firefighters can save money on life insurance by getting a policy through their job, but it may have limitations

Firefighters life insurance is quite a bit more expensive than average, but there’s a way around high costs. Life insurance for firefighters may be cheaper if you buy through fireman group life insurance at work or through special firefighter programs.

So how can firefighters find affordable life insurance? Our guide explores what you need to know about finding cheap life insurance for firefighters.

Find affordable life insurance rates for firefighters by entering your ZIP above to compare multiple companies near you.

How do you get the best life insurance rates for firefighters?

Affordable life insurance quotes for firefighters may be challenging to locate. Firefighters are high-risk workers that life insurance companies may charge more due to the increased risk of a claim.

Here’s a comparison of sample standard and substandard rates for firefighters.

Average Monthly Life Insurance Rates for Firefighters: Standard Rates versus Substandard Rates
AgeAverage Monthly Standard RatesAverage Monthly Substandard Rates (25% increase)
25-years-old$157$196
30-years-old$189$236
35-years-old$231$288
40-years-old$278$347
45-years-old$349$437
50-years-old$429$536
55-years-old$550$687
60-years-old$701$876
65-years-old$913$1,141
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These rates are much higher than the $9 per month from the best insurance companies. There is a reason for that.

Firefighters are at risk each time they’re on the job. Standard rates are already expensive, but substandard rates account for firefighters who live in areas where there are more disasters, such as California.

According to Data USA, the average age for firefighters is 39 years old. That’s the age where life insurance begins to pick up in price, but it doesn’t mean you can’t find less expensive rates.

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Can firefighters and volunteer firefighters get life insurance outside of work?

The short answer is yes, there are options on the open life insurance market for firefighters.

Of course, life insurance through your job may still be the best option for you. Life insurance through the workplace is known as group life insurance.

Major life insurance providers, like The Hartford, offer policies for firefighters and volunteer firefighters.

The best way to find affordable firefighter life insurance is through comparison shopping. Look at different companies until you find one that works for you.

What other insurance options should firefighters consider?

Long-term care insurance and disability insurance are some other insurance products firefighters may need. Accidents and disasters are unpredictable, and firefighters are at a higher risk of injury.

Some life insurance companies have accidental death & dismemberment insurance to fill the gaps where traditional life insurance won’t cover.

Although it can be more expensive for firefighters, there are plenty of options for first responders. Shopping around is the best way to save.

Why should firefighters get life insurance outside of work?

Buying life insurance outside of work gives a firefighter more options. For example, a group life insurance policy may be limited to basic term life, leaving you without the option to buy whole life insurance or universal life insurance policies – both of which are common offerings from most life insurance companies.

Also, shopping for term life insurance opens an opportunity to customize your policy the way you want it.

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Life Insurance for Firefighters: What’s the bottom line?

Firefighter life insurance is more expensive than average, but firemen and firewomen have the option of going through their job to get affordable life insurance.

Getting life insurance through your job allows life insurance premiums to be taken out of your check pre-tax, but may have limitations. For that reason, it’s important to compare what’s available to you on the open market.

Before you buy life insurance for firefighters, use our free comparison tool below to compare the best companies near you.

Are you looking for free insurance quotes?

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