New Benefit Offering for IAFF Members and Participating Locals

Brought to you by the IAFF-FC

The Bundle by VIP™

Five Coverages Bundled Together at One Low Rate.

As a member you have the option of enrolling in the Voluntary Insurance Program, which offers you and your family added protection from the financial impact of unexpected illness, accidental injuries, periods of disability, and/or death.

The Bundle by VIPAdvantage

  • Three Affordable Packages to Choose From
  • Guaranteed Issue
  • Coverage Effective Immediately
  • Plans Will Cover Hospitalizations Due to COVID-19
  • Coverage for Spouse and Children Available

How Does the Total Protection Plan Work?


Benefit has on and off the job coverage and pays on a recurring basis if the insured meets the definition of disabled. Benefit does not reduce if there is worker’s compensation involved.


Benefit pays on a schedule of benefits when an accident occurs on or off the job. This includes emergency treatment, hospital stays, medical exams, and other expenses you may face such as transportation and medical equipment.

Critical Illness

Benefit pays in a lump sum when insured is diagnosed with one of the covered illnesses. Benefit covers types of cancer, heart attack, stroke, etc.

Hospital Indemnity

Benefit pays upon a schedule. Benefit is designed to pay for admission to hospital, days confined, medical transportation, and emergency room visits.

Term Life

Benefit pays in a lump sum amount upon the insured’s death.