The First Responder Task Force was created for the sole purpose of honoring, serving, and protecting First Responders.
Fast-forward to the terrorist attacks on 9/11. It was a double tragedy in the insurance industry. It shed light on the fact that exclusions and restrictions exist in the majority of insurance policies. 414 total First Responders perished performing their duties that day, but because of the fine print buried in their insurance policies, a devastating number of the death benefit claims were denied payments to their families. Many of the insurance companies that ended up paying, some months and even years later, mainly did so because of political and media pressure. But far too many of these families never received a penny from these policies that they had been paying on for years.
Insurance policies contain an exclusion/restriction section that describes the conditions under which the company will deny payment. Four exclusions that affected the families of 9/11 were:
The First Responder Task Force partnered with a military directed non-profit association and took steps to extend their military-grade coverage to now include First Responders for the first time in history. Never again should a First Responder, putting their life on the line, lose their life and their beneficiary not be taken care of.
The First Responder Task Force focuses on exclusively offering military-grade coverage for our First Responder family nationwide. Coverage once reserved for those protecting our nation's borders is now available to the heroes protecting our communities.
Our coverages are built around a military lifestyle and contain none of the typical exclusions/restrictions. Suicide is even covered after two years. There are no restrictions for hazardous sports or occupations. Acts of war, acts of terror, and even international travel are covered regardless of country. Our policies cover you on and off duty, and unlike most group coverage, it can be taken with you when you leave or retire up to age 121.
When we set out on this mission in 2011, there were no systems for supporting and serving First Responders in a tangible way. So we started working with Fire Departments, Police Departments, Sheriff’s Offices, and EMS Agencies to get a better understanding of how they operate and the most efficient way we could provide the most amount of value. We refined that system over the next 12 months and began serving First Responder Agencies in the Southeastern United States.
In 2012 we served 2,500 First Responders. In 2013, we more than tripled our numbers and were able to protect 8,500 First Responders. In 2014, we more than tripled again, increasing our coverage to 30,000 public servants. In 2015, we served around 40,000 First Responders. We have continued to grow our network of Task Force Coordinators across the country and now serve First Responders in every state.
First Responders face a unique problem when it comes to insurance coverage. Once we introduced a solution to this problem, we set out to make sure every First Responder was protected.
Protect and serve those who put themselves in harm's way.
Serve 100,000+ new First Responders every year. Why are the numbers so important?
Responsibility and Loyalty