---
title: Life Insurance for EMTs and paramedics | Coverfolk
url: https://coverfolk.com/jobs/emts-paramedics
updated: 2026-10-08
---

# Life insurance for EMTs and paramedics

EMTs and paramedics are first on the scene. You lift patients, work in all weather, and face life or death calls. BLS counts about 284,000 of these jobs.

[Find my coverage gap](/jobs/emts-paramedics/calculator)

Updated October 8, 20262 sources[Fact checked](/editorial-standards)

**284,000**About 284,000 EMT and paramedic jobs (284,100) (2025)[Source: BLS OOH: EMTs and Paramedics](https://www.bls.gov/ooh/healthcare/emts-and-paramedics.htm)

[### EMTs and paramedics coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/emts-paramedics/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/emts-paramedics/on-the-job-death)

## Why it matters

BLS says EMTs and paramedics have one of the highest rates of injury and illness of all jobs. They may also be exposed to serious diseases.

If your family counts on your pay, life insurance can help them. Work coverage usually ends when you leave. A plan you own stays with you.

* BLS says EMTs and paramedics have one of the highest rates of injuries and illnesses of all jobs. They may be exposed to diseases such as HIV.
* Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Ground or air ambulance work
* Paid, volunteer, or both
* Fire department or private service
* Your age, health, and tobacco use

## Common questions

Can EMTs and paramedics get life insurance?

Yes. Your age, health, and tobacco use matter most.

Does flight medic work matter?

It can. Insurers often ask about flying as crew.

Does my agency give me coverage?

It might. Work coverage usually ends when you leave. A policy you own does not.

I volunteer. Am I covered?

Ask your agency. Do not assume you have life insurance through volunteer work.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: EMTs and Paramedics](https://www.bls.gov/ooh/healthcare/emts-and-paramedics.htm)
2. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)

Other jobs

## We cover a lot of hard jobs

[**7.7x** the average risk**Truck drivers**Long hauls, owner operators and company drivers.](/jobs/truck-drivers)[**5.3x** the average risk**Lineworkers**Power line crews who climb for a living.](/jobs/lineworkers)[**14.8x** the average risk**Roofers**One of the riskiest jobs in the country.](/jobs/roofers)[**4.4x** the average risk**Construction**Laborers, helpers and crew leads.](/jobs/construction-workers)[**2.2x** the average risk**Electricians**Union, open shop and self employed.](/jobs/electricians)