Fire & Rescue · Dallas–Fort Worth
I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life. I help firefighters, medics, and their families explore optional cancer, heart, accident, and ICU policies alongside the coverage they already have.
Independent agent website. This site is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Each policy is separate and optional. You may select one, combine several, or omit a policy, subject to availability and eligibility. Intensive Care (ICU) is its own policy and is not automatically included in the others.
Cash benefits for covered cancer-related events and treatments as defined in the policy, subject to its limits, exclusions, and eligibility rules.
Cash benefits for covered heart disease, heart attack, and stroke events as defined in the policy. A qualifying event and proof of loss are required.
Cash benefits for covered accidental injuries as defined in the policy. Exclusions apply. In the Texas sample accident form (A8), exclusions include some aviation-related activity, such as serving as aircraft crew.
Cash benefits when a covered hospital stay includes intensive care, as defined in the policy. This is a separate, optional policy.
Choose a benefit level and household coverage type—Individual, Single Parent, Couple, or Family—for each policy. You can mix and match coverage types and benefit levels to fit your household and budget.
For example, you might choose Individual Heart Disease, Heart Attack and Stroke coverage alongside Family Accident coverage. I'll help you explore your options, subject to availability and eligibility.
Benefits depend on the applicable policy terms. Let's discuss how these benefits apply to your coverage.
Firefighter & EMS health
Research helps explain why health and financial planning matter for Fire & Rescue families. These findings describe particular study populations, not a prediction of your individual risk.
Firefighters · CDC / NIOSH
9% more
In a study of nearly 30,000 career firefighters from Chicago, Philadelphia, and San Francisco employed between 1950 and 2009, researchers found 9% more cancer diagnoses than expected using U.S. population rates.
Source: Robert D. Daniels, CDC/NIOSH, May 10, 2017. This is a relative increase, not a 9% chance of developing cancer.
Read the NIOSH findings ↗Firefighters · CDC / NIOSH
14% more
The same firefighter cohort had 14% more cancer-related deaths than expected using U.S. population rates.
Source: Robert D. Daniels, CDC/NIOSH, May 10, 2017. Historical cohort finding; it is not a statistic for all current firefighters or EMS clinicians.
Read the study context ↗EMS clinicians · CDC / NIOSH
24%
In 2020, sprains and strains accounted for 24% of nonfatal EMS occupational injuries treated in U.S. hospital emergency departments.
Source: CDC/NIOSH, EMS Clinician Injury Data, Table 2; page dated February 16, 2024. Includes paid and volunteer EMS duties, and firefighters injured while doing EMS work. This is a share of ED-treated injuries, not of all medics.
Read the EMS injury data ↗The IAFF offers occupational-cancer resources, prevention education, and support for members and families. Explore IAFF resources ↗
We can discuss optional supplemental cash benefits alongside your health insurance and any department or employer benefits. Coverage, eligibility, and benefits depend on the applicable policy terms.
Talk with DamianIAFF and CDC/NIOSH are cited as research and education sources. No affiliation or endorsement by these organizations or any department is implied.
A conversation about your household, existing coverage, and the questions you want answered. We can work around your shift.
I'll explain benefits, limits, exclusions, and eligibility for the policies and benefit levels that may fit.
If you decide to apply, issuance, effective dates, waiting periods, eligibility, and exclusions depend on the policy.
I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life, helping Dallas–Fort Worth firefighters, medics, and their families explore supplemental coverage. My job is to explain the available policies, including benefits, limits, exclusions, and eligibility, so you can decide what fits your situation.
There are four separate, optional policies: Cancer; Heart Disease, Heart Attack and Stroke; Accident; and Intensive Care (ICU). You may select one, combine several, or omit a policy, subject to availability and eligibility. ICU is its own policy and is not automatically included in the others.
Yes. You can choose a benefit level and household coverage type—Individual, Single Parent, Couple, or Family—for each policy, subject to availability and eligibility. You can also mix and match coverage types and benefit levels. For example, you might choose Individual Heart Disease, Heart Attack and Stroke coverage alongside Family Accident coverage. Let's discuss the combination that fits your household and budget.
No. These are supplemental, limited-benefit policies. They are not major medical insurance and are not a replacement for health insurance or workers' compensation. Benefits are paid only for qualifying events under the policy terms, and proof of loss is required.
Cash benefits are generally paid to the policyowner, subject to policy terms. Assignments, beneficiary or estate provisions, and applicable Texas medical-assistance provisions can affect who is paid.
The coverage is guaranteed renewable, which means it is renewable when premiums are paid. The insurer may change rates for all like policies issued in the same state with 60 days' prior written notice. An individual policyowner cannot be singled out for a rate change. Family Heritage has never raised rates on an existing policyholder who has paid premiums on time.
For issue age 55 or younger, the 100% maturity benefit is at 25 years or the policy anniversary after age 65, whichever comes first, less Claims Incurred. For issue age 56 or older, Survivor benefits are paid, less Claims Incurred, up to the amount stated in the policy. Benefits depend on the applicable policy terms. Let's discuss how these benefits apply to your coverage.
Use the form on this page, call (469) 755-7717, or email [email protected]. Include your department, station, and shift to help coordinate a conversation. I'll explain benefits, limits, exclusions, and eligibility. Issuance and coverage depend on the policy.
I serve individuals and families in the Dallas–Fort Worth area.
No. This is the website of an independent agent. It is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Let’s discuss your household and coverage options at a time that works around your shift. You can also ask about a department or station conversation.
The form didn't load. Please call (469) 755-7717 or email [email protected].
Your contact information is used to respond to your request. This form is provided by HubSpot. Please don't include medical or other sensitive details.