K&K Insurance Group Inc., a subsidiary of Aon plc, has a new program offering accidental death and disability (AD&D) coverage for firefighters. The program provides a variety of options including:
- Policies written for the entire state or on a per firehouse basis.
- Coverage for full-time firefighters: accidental death and dismemberment; accelerated benefit; heart and circulatory benefit (death, medical expense or total disability benefit when an insured suffers a sudden heart or circulatory malfunction within 48 hours after participating in an emergency call); seat belt coverage ($20,000 death benefit due to the unintentional collision of an automobile or fire engine during which the insured is participating in a covered activity and wearing a seat belt).
- Volunteers are offered the same coverage as full-time firefighters and also have the option to purchase excess medical coverage and partial/total disability coverage.
No prior appointment or agreement is needed for agents to submit applications for quotation. The program is not available in AL, FL, IN, MA, ME, MN, MS, NY, OH, VA.
Coverage is offered on an admitted basis and provided through an insurance carrier rated “A+” (Superior) by A.M. Best Co.
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