Thin Line Protection Plans

This Line Protection Plans (TLPP) is a specialty suite of products designed exclusively for police, fire and EMS personnel.  These benefits would be over and above whatever benefits are provided by the municipality.  Thin Line Plans are offered on a group basis with little or no participation requirements.  There are three plans to choose from and each eligible member may purchase any combination of plans.

Plan I
Voluntary Accidental Death and Dismemberment with Felonious Assault

Eligible personnel may purchase an amount of AD&D in increments of $50,000 to a maximum of $250,000.  Should a covered loss be the result of a felonious assault, the benefit would automatically increase by 50%.  Coverage is guaranteed issue.

Plan II
Voluntary Term Life Insurance

Eligible personnel may purchase amounts of life insurance in increments of $25,000 to a maximum of $250,000.  Spouses and dependent children may also be covered.  Unlike Plan I which pays for a loss resulting from an accident, Plan II covers loss of life for just about all causes.  The advantage of this plan is low group rates compared to individual policies.

Plan III
Level Term Life to Age 100 with Critical Illness

Amounts of up to $100,000 are available to all personnel.  Spouses, dependent children and grandchildren are also eligible to participate.  Premium rates for this plan do not change until age 100.  A benefit equal to 30% will be payable to the insured should he suffer a defined critical illness.  This plan has limited underwriting questions to qualify.

Click HERE to see a brochure of these plans in greater detail.

These are just a brief description of the plans and do not represent all the policy provisions and exclusions.