California State Firefighters Association

Why you need life insurance?



To put it simply, we invest for the known and insure for the unknown. Life insurance protects those who depend on you in the event you die prematurely. Life insurance provides your dependents with an ongoing income to replace yours, so they can at least cover the basic needs of daily living. If you are the primary breadwinner for your family, you are likely to need a substantial amount of life insurance coverage. After basic food and housing concerns are satisfied, life insurance needs to be in line in terms of priority.



CSFEWBC offers both the Group Life “Participating Unit” Plan as well as the Individual Life “Voluntary” Plan.

Participating Unit

To assist actively working and retired members of CSFA in providing for their family’s financial security, CSFEWBC has developed the Participating Unit Group Term Life Insurance Program. Under this program associations are able to insure their active members for up to $150,000 in Life/AD&D insurance coverage and their retired members up to $10,000 in Life/AD&D insurance coverage on a guarantee issue basis, no health questions. Members may elect to apply for up to $1,000,000 of coverage for themselves. Life insurance coverage for your spouse and children is also available.

Group Annual Term (5-year age bracketed product

Features of the Plan

This Supplemental Group Term Life plan provides eligible members with group term life insurance protection at levels beyond what is provided to you through your association/employer’s group insurance coverage. To supplement this protection, you are eligible to apply for additional group term life insurance through the same endorsed program as long as you are an active member under age 60. The plan is underwritten by The Standard Insurance Company and administered by Myers-Stevens & Toohey & Co. Inc.

New Academy Graduate Guaranteed Issue Coverage

First-time eligible new fire academy graduates can obtain $100,000 of group term life insurance on a guaranteed issue basis if applied for within 31 days of their initial eligibility period.

For more information about any of the above plans, please contact us at csfainsurance@myers-stevens.com or call at 1.800.827.4695

How much life insurance do you need?

To calculate your life insurance needs, consider the following:

• How much of your income will you need to replace? 


• Do you have young children who must be cared for?


• Will your surviving spouse need to work or stay at home with your children?  


• Do you want to pay for your child’s college costs?


• Are you financially responsible for other family members (i.e. parents, grandparents, aunts or uncles)?  


• Do you have a mortgage you want to fully or partially pay off?


• What is your level of savings?  Debt? 


• How much of a cushion for emergencies do you want to leave behind? 

Life Insurance Calculator

Download Group Life Insurance Application

Group Life Insurance Brochure