Products

Our insurance plans are designed specifically for law enforcement and their families. We want to ensure our first responders, their income, and their families are protected. We offer a variety of supplemental insurance and retirement options for law enforcement. From administrative duty protection and accident/disability insurance to life policies, we are always here and ready to help.

Admin Duty Income Policy

The Admin Duty Policy replaces a portion of your income for a set period when you are limited from participating in additional work due to being placed on a covered change of duty status. This could include administrative duty or leave, or indefinite suspension. The benefit you receive depends on the coverage level and max benefit period elected, and the length of the elimination period.

Examples of instances where officers could be covered are officer involved shooting (OIS), in-custody death, excessive force complaint, or any disciplinary action coming from an officer doing their job, not resulting in criminal charges or termination.

Covers administrative duty, administrative leave, or suspension.
Up to 12 months of coverage
15-day or 30-day elimination period options available
$1,000, $2,000 or $3,000 monthly benefit options available
Please Note: This policy does not cover injury, illness, substance abuse, mental illness, PTSD, and/or suicidal ideation.

Accident & Disability Policy

In law enforcement, there is a high probability that an officer will get hurt or miss work due to an injury sustained ON or OFF duty. This policy will pay accident benefits if an officer seeks medical attention due to some type of accident; furthermore, if the officer misses more than 7 days of work, our unique disability plan pays officers an income benefit if they are out of work completely or on “light duty”!

24/7 on and off duty accident benefits
“Light duty” disability up to $2400 a month
Income benefits ranging from 6 months to 24 months
Gunshot and stabbing benefit
Accidental Death and Dismemberment included
Please Note: Benefits for illness included depending on state.

Hospital Indemnity Policy

When it comes to your family’s health, unexpected or long-term hospitalization should not be a time to worry about medical costs. The Hospital Indemnity Policy helps by paying you benefits and allows you to put recovery first.

Coverage for Injury and Illness
Hospital Admission and Confinement Benefits
Inpatient and Outpatient Surgery Benefits
Ambulance, Emergency Room Care, and Urgent Care Benefits
Please Note: Benefits available are different depending on state.

Critical Illness Policy

The Critical Illness Policy pays a lump-sum benefit up to $30,000 following the diagnosis of a critical illness, such as heart attack, cancer or stroke.

Benefits like these can help protect you and your family from the financial challenges that can come from a critical illness, allowing you to focus on what’s important – your healing.

Cancer & Specified Disease Policy

Cancer is one of the most devastating and catastrophic diseases that can affect a family. Unfortunately, 1 in 3 people will be diagnosed with some form of cancer or life altering disease. We are happy to provide one of the most comprehensive cancer and specified disease policies in the market. It is designed to not only cover cancer but also 32 life altering diseases. What makes this policy so robust? We focus the benefits on what people use the most: chemotherapy, radiation, immunotherapy, and travel benefits. When you need money in your pocket because you want to focus on getting better, consider our cancer and specified disease policy through MetLife.

$5,000 first diagnosis benefit
Covers cancer and 32 other diseases
$1,000/day radiation & chemotherapy – NO lifetime maximum
$4,000/month for self-administering drug – NO lifetime maximum
$625/day ICU benefit

Heart, Stroke, and Heart Disease Policy

Heart disease is a leading killer for law enforcement. The level of stress, coupled with the high-pressure environment and adrenaline surges, leads to high blood pressure. Also, common on-the-go meals resulting from abnormal schedules promote high cholesterol. Heart attacks and strokes can devastate a family, so we have a plan available through MetLife.

Heart Transplant benefit of $100,000
Coronary Artery Bypass benefit of $2,500
Hospital Confinement benefit of $200/day
Ambulance benefit of $200

Investment Planning

Spectrum Advisory Group helps identify and prioritize financial goals that are important in an officer’s life. Furthermore, we give specific recommendations on what you need to do to help you accomplish any of your financial goals.

Maximizing retirement and pension income
DROP income planning
Deferred Compensation planning
Tax strategies for police officers
Survivor Benefit preservation and recommendations
Children’s education planning

Life Insurance

Term, permanent, and indexed policies available.

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