--- title: Life Insurance for Firefighters | Coverfolk url: https://coverfolk.com/jobs/firefighters updated: 2026-11-13 --- # Free life insurance quotes for firefightersFree life insurance quotes*for firefightersfor firefighters**for volunteer firefightersfor volunteers**for wildland crewsfor wildland**for their familiesfor families**for firefightersfor firefighters* Real prices from licensed agents.Licensed agents. Real prices. See yours in 60 seconds.[Trustpilot](https://www.trustpilot.com/review/coverfolk.com) **Start here:** tap who you want to protect. Takes about 60 seconds. 1/5 * About 60 sec * 50 states * Free to use * No SSN needed * About 60 sec * 50 states * Free to use * No SSN needed ## Who do you want to protect? Step 1 of 5. About 60 seconds. How much coverage? $250,000 Coverage amount Tobacco or nicotine in the last year? Your price is on the way A licensed agent will text you soon. or [Call (888) 635-3511](tel:+18886353511) [Trustpilot](https://www.trustpilot.com/review/coverfolk.com) [**Firefighters**3.2x avg. risk](/jobs/first-responders)[**Nurses**Night shift friendly](/jobs/nurses)[**Veterans**More than VGLI](/jobs/veterans)[**Truck drivers**7.7x avg. risk](/jobs/truck-drivers)[**Construction**4.4x avg. risk](/jobs/construction-workers)[**Lineworkers**5.3x avg. risk](/jobs/lineworkers)[**Roofers**14.8x avg. risk](/jobs/roofers)[**Police**Police and corrections](/jobs/first-responders)[**Farmers**5.4x avg. risk](/jobs/farmers) **355,300**About 355,300 firefighter jobs (2025)[Source: BLS OOH: Firefighters](https://www.bls.gov/ooh/protective-service/firefighters.htm) [### Coverage calculator Your pay, your loans, your work plan. See the gap in 30 seconds. Open](/jobs/firefighters/calculator) [### If you die at work What workers comp, work plans and Social Security pay, and what they don't. Open](/jobs/firefighters/on-the-job-death) ## Why it matters Firefighters can get life insurance. Insurers mostly look at your age, health and tobacco use. Some also ask whether you fight fires inside buildings, work wildland fires or volunteer. BLS says the work can be dangerous at the scene of a fire or other emergency, and the gear is heavy and hot. BLS counts about 355,300 firefighter jobs, and 87 percent are in local government. A federal benefit pays survivors when a firefighter dies in the line of duty. Department coverage usually ends when you leave or retire. A policy you own stays with you. * The federal Public Safety Officers' Benefits program pays death and education benefits to survivors of officers who die in the line of duty. The death benefit was $461,656 for deaths in fiscal year 2026 (Oct 1, 2025 to Sep 30, 2026). * 87 percent of firefighters work for local government. Coverage through a job usually ends when you leave it. * 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. ## Can firefighters get life insurance? What insurers ask Have these ready. Being honest up front gets you a real price and avoids problems at claim time. * Interior, wildland or volunteer firefighting * Full time, part time or volunteer * Your age, health and tobacco use * Any lung or heart problems ## Common questions Can firefighters get life insurance? Yes. Most can. Your health and age matter most. Some companies also ask about interior or wildland work. Are volunteer firefighters covered by PSOB? PSOB can cover volunteer firefighters who die in the line of duty. Check the program rules for your case. Does my department plan cover me after I retire? Usually not in full. Ask what you can keep before you leave. Should I buy more than my work plan? Think about your mortgage, debts and kids. Many families need more than one or two years of pay. ## Best life insurance for firefighters [**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: Firefighters](https://www.bls.gov/ooh/protective-service/firefighters.htm) 2. [BJA: Public Safety Officers' Benefits Program](https://bja.ojp.gov/program/psob) 3. [BJA: PSOB Benefits by Year](https://www.bja.ojp.gov/program/psob/resources/benefits-by-year) 4. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html) Prices for firefighters A few questions and you see a sample price. A licensed agent can then show you real prices. Free, and no exam for many plans. [(888) 635-3511](tel:+18886353511)[See prices for firefightersSee my price](/quote?job=firefighters)[How it works](/how-it-works) * Takes about 2 minutes * Phone confirmed by text code * Licensed agents only Questions? Call free [(888) 635-3511](tel:+18886353511) Other jobs ## We cover a lot of hard jobs [**Truck drivers**Long hauls, owner operators and company drivers.](/jobs/truck-drivers)[**Lineworkers**Power line crews who climb for a living.](/jobs/lineworkers)[**Roofers**One of the riskiest jobs in the country.](/jobs/roofers)[**Construction**Laborers, helpers and crew leads.](/jobs/construction-workers)[**Electricians**Union, open shop and self employed.](/jobs/electricians)