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Police and Firemen’s Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

You will notice several unusual and interesting things when first visiting the Police and Firemen’s Insurance Association website. First, the PFIA site is a “dot org” site, which is usually associated with not for profit organizations. Second, along with a picture of PFIA headquarters in Carmel, Indiana and the usual company mission statement is a list of the holidays that PFIA observes and closes for during the year. The third item of interest can be found by clicking on the standard “contact” button. Unlike the majority of commercial insurance carriers, who provide only a street address and phone number, you will find a complete roster of employees, their job titles and telephone extensions.

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The differences in PFIA aren’t just to be measured in the small differences on their website. PFIA was founded in 1913, as a fraternal society, to assist firefighters, police officers and their families in the Indianapolis area. This new brotherhood, and the necessary support services it provided to its members, quickly spread. Soon PFIA served members in 44 states and the District of Columbia. Financially strong because of excellent management and continued growth, PFIA is tremendously proud of its role in the community, its motto, “We are each other’s keepers.”

PFIA is especially proud of its scholarship program. Each year, PFIA selects 100 children, first, second and even third generation descendants of its members, to receive four-year college scholarships. In 2010, this amounted to $1000 per student, per year. The names of all the award recipients, their schools and fields of study are listed on the PFIA website. This is just one more example of what makes PFIA unique in the insurance industry.

There are additional family benefits provided by the PFIA fraternity. These include special benefits for orphans, insurance coverage for children who would normally be considered “uninsurable,” memorial funds and reward funds for citizens who provide information in cases where members have been injured or killed. There is also a hall of fame for those who have responded heroically in the course of performing their sworn duties. Members of this group are also recognized on a special website page, http://www.pfia1913.org.

Members honored for their meritorious service are featured at http://www.pfia1913.org/meritoriousaward.html

PFIA Insurance Products

The Police and Firemen’s Insurance Association does sell life insurance!

Products include:

  • Whole select life with level premiums and available riders including, 10, 20 or 30-year level terms, premium waivers and special child benefits. Paid-up policies continue to pay dividends and accrue additional interest income.
  • Single premium life coverage
  • Annuity accounts are designed to provide guaranteed income for retirees. PFIA Flexible annuity programs include standard IRA and Roth IRA products. Current interest rates range between 4% and 4.5% depending on the member’s account balance. Prior to retirement, earnings are tax-deferred.
  • Disability programs for accidents and illness
  • Accident coverage alone is available with riders for members who suffer non-fatal burns or gunshot wounds. Spousal coverage is also available.
  • Standard membership policies cover accidental death, on or off duty
  • Available optional benefits include purchase guarantees, premium waivers, and special children’s coverage

Find a PFIA Agent

Your local PFIA representatives and agents can be found by visiting by visiting their website and clicking on your state or region. Individual names, addresses, and phone numbers are listed for each locale.

Career Opportunities with PFIA

It is important to note that all PFIA agents are active or retired law officers or firefighters. Positions are part-time and all company representatives are well supported and compensated for their service. If you are interested in becoming a PFIA account representative, visit their career webpage.

PFIA Protector Magazine

The Protector is published four times each year highlighting the activities of police units and fire associations across our nation. Subscriptions are free to members and available for non-members at just $10 per year. Contact the PFIA home office for more information. This is just one more good way to support the efforts of your local police and fire protectors!

PFIA Contact Information

As mentioned earlier in this article, PFIA provides full contact information for its corporate and administrative staff on its website. Main offices are located in Carmel, Indiana:

Police and Firemen’s Insurance Association
101 East 116th St
Carmel, Indiana 46032
Phone number: 317-581-1913
Toll free: 800-221-7342

US citizens who work as police officers and firefighters put their health, safety and their lives at risk each day. The Police and Firemen’s Insurance Association exists to provide support to these critical public servants.

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