Exclusively for Law Enforcement, Fire & EMS

Your Department Covers You.
Your Family Is Paying Full Price.
We Fix That.

Keep your employer benefits. Cut your family's monthly premiums by hundreds. Our advisors specialize exclusively in first responder coverage — and the review is completely free.

Book My Free 15-Min Savings Review  →
Prefer to call? 407-726-2873 — speak with a real advisor now
$512
Avg. Monthly Savings
200+
Families Helped
5★
All Verified Reviews
Licensed — State of Florida
Independent Broker
Founded by Retired Police Commander
No-Obligation Review

The problem nobody tells you about

Your Agency Covers You.
Your Family Gets Charged Full Price.

Most first responders don't know there's a better option. There is — and it doesn't require giving up a single dollar of your own coverage.

$600–$1,200
Monthly overpayment for family coverage
When your department adds dependents at full market rate, you absorb every dollar. Most officers have no idea this is negotiable.
$7,200+
Per year leaving your paycheck unnecessarily
That's retirement savings. College funds. Emergency reserves. Going straight to your carrier instead of your family.
Most
First responders don't know another option exists
You can keep your department plan and find dramatically cheaper coverage for your spouse and kids. Most agents never mention this.
★★★★★

"I just assumed covering my family through the city plan was the only option. Frontline Family Coverage showed me how to keep my employer benefits while placing my wife and kids on a much more affordable plan. I wish I knew about this years ago."

$600+/month saved
verified monthly savings · retained full employer benefits
— Michael R., Police Sergeant

How it works

Three Steps. No Cost. Real Savings.

No pressure, no paperwork. Just a 15-minute call that could save your family hundreds every month — for years.

1
Book Your Free 15-Min Call
Tell us about your current plan. We'll identify your family's savings opportunity in the first few minutes — no commitment.
2
We Build Your Custom Plan
We shop every major carrier to find the best coverage for your spouse and dependents — priced dramatically below your current rate.
3
Keep More. Cover Everyone.
Keep your employer plan. Your family gets better-priced coverage. Real savings hit your account every single month going forward.
Commander Joseph Schaefer, Retired Miami Gardens Police Commander
Miami Gardens
Police Commander
Retired
Founded by one of your own
Commander
Joseph Schaefer
Retired Police Commander · 20+ Years in Law Enforcement

After two decades protecting the City of Miami Gardens, Commander Joseph Schaefer saw the same thing over and over: the officers, firefighters, and paramedics he worked alongside were quietly losing hundreds of dollars every month just to cover their families. Nobody in the insurance world was fighting for them — so he and co-founder Cris Martin built the company that would.

Together they've helped over 200 first responder families across Florida stop overpaying — without giving up a single dollar of their employer coverage.

20+ Yrs Law Enforcement Retired Commander Miami Gardens P.D. Licensed Since 2017

Meet the Full Team →

What first responders say

Real Families. Real Savings.

Verified clients — real names, real titles, real numbers.

★★★★★
Thousands/year saved

"My department offers a solid plan for me, but adding my family was incredibly expensive. They found a better solution. Savings were significant and the process was simple."

DM
Daniel M. — Deputy Sheriff
★★★★★
Better plan, lower cost

"As a paramedic I appreciated working with advisors who respect what we do. They showed us options we didn't even know existed. Incredible service."

RL
Rachel L. — Paramedic
★★★★★
Thousands/year saved

"I was skeptical but the savings spoke for themselves. Saving thousands per year and still have strong coverage. Frontline truly has our six."

CP
Chris P. — Correctional Officer
★★★★★
Easiest financial decision

"Professional, patient, and extremely knowledgeable about first responder benefits. Highly recommend to anyone paying high family premiums."

JB
Jason B. — Fire Lieutenant
See All Testimonials →

Ready?

You Protected Everyone Else.
Let's Protect Your Family's Budget.

15 minutes. No cost. No obligation. Just answers — and potentially hundreds back in your pocket every month.

Book My Free Savings Review  →
Licensed — Florida Independent Broker No Obligation First Responder Specialists