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VFIS Benefits
What Actually Reaches Your Members After A Claim
Accident & sickness, cancer riders, group term life, and health plans built for the reality of fire, EMS, and 911 rosters across Oklahoma and Arkansas and paid to your members, not your ledger.
- Weekly income paid without waiting on other benefits to coordinate
- Lump sum cash paid directly to the member on diagnosis
- Coverage that follows members home, not just on duty
Benefit Lines
Average Lump-Sum Turnaround
Departments Protected
Four Benefit Lines
Four Member Benefit Programs
Each line is written under hazardous-duty class and tuned to the realities of emergency services, not retail group-benefit templates. Select a line to see what is actually inside.
Choose a coverage type
Income and Medical Coverage When a Member Cannot Work
Accident & Sickness
Workers' compensation has gaps that tend to become visible only once a claim is filed. Accident and Sickness pays where it does not reach.
- The first 28 days of weekly income are paid at the full amount selected, without coordinating against any other source.
- Medical, hospital, and surgical costs are covered when workers' compensation benefits do not apply.
- Up to $50,000 toward home or vehicle modification after a covered permanent loss, in excess of all other coverage.
- This is not a workers' compensation policy. Purchasing it does not satisfy an employer's obligations under state workers' compensation law.
Showing Accident & Sickness
What We Stand For
How These Benefits Are Meant To Work Together
The design, payment, and service of VFIS Benefits reflect the same three commitments behind every line we write for fire, EMS, and 911 rosters.
They Cover Different Things On Purpose
Accident and Sickness covers injury and illness during a covered activity. Group Term Life covers death whether on duty or not. Critical Illness covers diagnosis regardless of cause. The gaps between them are the reason departments carry more than one.
They Reach Past The Member
Spousal support and education benefits, dependent child and education benefits, memorial benefits, and up to $1,000 per person for family bereavement and trauma counseling.
They Are Written For Volunteers
Every benefit class includes volunteers, junior members, auxiliary members, and members in training, not only paid employees.
Why Departments Choose VFIS
What You Get That A Standard Carrier Cannot Offer
A truck can be replaced. A station can be rebuilt. The people on the roster, whether career or volunteer, are the asset that cannot be re-ordered. VFIS Benefits exist to protect that asset directly.
Underwriters Who Already Know What A Pumper Costs
Every policy line is written for one kind of organization: fire, EMS, rescue, and 911. You are not explaining apparatus replacement cost or mutual-aid exposure to someone learning it on your renewal.
Apparatus Insured At A Value You Agree To Up Front
Emergency vehicles can be covered on an agreed value basis, with the value set for each vehicle when the policy is written. That removes the depreciation argument from the claim.
A Local Office, Not A Call Center
Two offices, in Little Rock and Claremore, staffed by people who answer their own extensions. After hours, calls that cannot wait go to a direct line.
How It Works
From First Call To Bound Coverage
Four steps, no surprises, and a plain-English comparison against whatever you carry now.
/01
We Walk Your Station
We review your apparatus list, portable equipment, roster, and mutual-aid agreements in person before quoting anything.
/02
We Compare It Against What You Have
You get a side-by-side of your current coverage and ours, with the gaps named and the exclusions written out.
/03
We Build The Program Around The Gaps
Coverage is assembled line by line for your organization, not selected from a package tier.
/04
We Stay On It After Binding
Claims, roster changes, new apparatus, and member training are handled by the same local team that wrote the policy.
VFIS vs. Other Companies
How This Compares To A Standard Commercial Policy
Most general carriers can write a fire department. Very few write one that has read an NFPA standard.
Option A
Other Companies
Retail group templates built to satisfy a minimum, not the realities of hazardous duty.
- Off-duty injury coverage
- Presumptive cancer lump-sum benefit
- Lump-sum claim turnaround60–90 days
- Benefit paid directly to the member
- Written under hazardous-duty class
- Small-roster programs (5+ members)
- Line-of-duty death enhancement
- Local advocate who handles the claim
Recommended
Option B
VFIS Benefits
Private, specialty benefits written around emergency services from day one.
- Off-duty injury coverage
- Presumptive cancer lump-sum benefit
- Lump-sum claim turnaroundUnder 14 days
- Benefit paid directly to the member
- Written under hazardous-duty class
- Small-roster programs (5+ members)
- Line-of-duty death enhancement
- Local advocate who handles the claim
Bring Benefits to Your Roster
Real Coverage For The People Who Run Into The Call
A complimentary roster audit, a plan design tailored to your budget, and a side-by-side comparison against whatever your members carry today. No obligation.
Get a QuoteFAQs
Questions Before You Enroll
The questions chiefs, directors, and boards ask most before they bring VFIS Benefits to their roster.
Most departments carry Accident and Sickness plus at least one of the others. Which combination depends on whether your members are paid, volunteer, or both, and on what your existing coverage already does.
Ready When You Are
Bring The Specialty Difference To Your Fire Department
We invite you to reach out whenever you're ready to discuss how VFIS of Arkansas can support your organization's insurance and training needs. We understand your time is valuable, and we appreciate the opportunity to earn your business.