Covering California’s Fire Service Community

Basic Life and AD&D

FRMS has partnered with The Harford for life insurance coverage. The Hartford offers employer-paid Basic Life and AD&D,
as well as employee-paid supplemental life insurance.

Please contact our office for a quote.

The Hartford – Employer-Paid Basic Life and AD&D

Agencies are able to select the level of benefit they will provide to eligible employees.

  • Basic Life coverage available (Self): $10,000 to $200,000
  • Basic Dependent Spouse Life: $10,000 (optional, can be requested)
  • Basic Dependent Child(ren) Life: $5,000 (optional, can be requested)

The Hartford – Employee-Paid Supplemental Life

Available to employees and their eligible dependents through payroll deduction.

  • Supplemental Employee Life
    • Guaranteed Issue: Up to $200,000, in increments of $10,000, without evidence of insurability (EOI)
    • Maximum Issue Amount: Up to $500,000, in increments of $10,000; evidence of insurability (EOI) required for benefit amounts above $200,000
  • Supplemental Spouse Life
    • Guaranteed Issue: Up to $50,000, in increments of $5,000, without evidence of insurability (EOI)
    • Maximum Issue Amount: Up to $150,000, in increments of $5,000; evidence of insurability (EOI) required for benefit amounts above $50,000
  • Supplemental Dependent Child Life
    • Maximum Issue Amount: Up to $10,000, in increments of $2,000

Our Purpose

Provide comprehensive and cost-effective coverage programs to members of the fire service, retirees, and their families through a responsive risk pool.

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800 541-4591

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