Welcome to HFR Benefits
You Respond To Emergencies,
We Respond To Yours.
At our company, we are fully committed to providing our Heroes and First Responders with the highest quality insurance plans available combined with some of the lowest possible rates.
Coverage for Heroes,
Built on Trust & Transparency
At HFR Benefits, we are committed to protecting those who protect us. Guided by the mission of preserving life and property, we extend that same dedication to safeguarding your family’s future and income. Honesty is the foundation of our work, reflecting the values that run deep in the first responder community, and we pair that with complete Transparency — ensuring you get the right coverage, clear guidance, no hidden surprises, and the best possible rate.
What We offer
Supplemental
Insurance Benefits
Police Admin Leave/Suspension Program (not available in CA)
This
specialized coverage offers financial protection during administrative leave or suspension from duty. It ensures that you have income support during times when you may be unable to work due to administrative reasons, reflecting our
commitment to the unique needs of law enforcement professionals.
EXPAND TO SEE AVAILABLE STATES
- ALABAMA
- ARIZONA
- FLORIDA
- GEORGIA
- HAWAII
- ILLINOIS
- LOUISIANA
- MICHIGAN
- NEVADA
- OKLAHOMA
- TEXAS
- MASSACHUSETTS
- IOWA
Income Protection/Short-Term Disability
This benefit provides a portion of
your income if you’re temporarily unable to work due to a medical condition or injury. It helps cover essential expenses, ensuring you maintain financial stability during your recovery.
Accident Protection
This coverage offers financial support in the event of an accidental injury. It can help cover medical expenses, rehabilitation costs, or additional living expenses, allowing you to focus on recovery without financial stress.
Cancer/Critical Illness Protection
This insurance provides a lump-sum
payment upon diagnosis of a covered critical illness, such as cancer. This benefit can help you manage medical costs and other expenses during treatment,
ensuring you have the support you need during a challenging time.
Hospital Indemnity
This benefit pays a fixed daily amount for each day you are hospitalized, helping to offset costs like deductibles and co-pays. It offers peace of mind, knowing you have financial assistance to cover expenses related to hospital stays.
Life Insurance
Life insurance provides a financial safety net for your loved ones in the event of your passing. It offers a death benefit that can help cover funeral expenses, debts, and provide ongoing financial support for your family.
Our Partners
