Cancer = Risk
Cash = Solution
Most firefighters carry $50,000 in group life through their department. Zero living benefits. Terminates when they leave the job. That's not a plan. Let's build you one that pays you while you're still alive — and your family no matter what.
★ Phone to talk possibilities. ★ Zoom when you're ready to look at the numbers.
Firefighting is an IARC Group 1 carcinogen.
Same classification as asbestos and tobacco. Not "might." Not "could." Does. And the data on what that means for your family is brutal.
Three holes in your department's plan.
Your chief isn't trying to mislead you. The group policy is a starting point, not a finish line. Here's where it comes up short.
$50K won't replace you.
Mortgage. Truck payment. Kids' tuition. Your spouse's time off. Do the math — $50K covers a few months. Then what?
Leave the job, lose the policy.
Group life is tied to your employment. Change departments, retire, take a medical leave — coverage can disappear right when you need it most.
It only pays if you die.
Group life pays your family after. It doesn't put cash in your hand at diagnosis. Living benefits do — while you're still fighting.
The Firefighter's Family
Funding Formula™
One properly structured policy. Three separate protections. Zero compromise. This is how we close every hole in your department plan in a single step.
Living Benefits
Cancer. Heart attack. Stroke. ALS. You get a tax-free lump-sum check at diagnosis — not after you die. Use it for treatment, lost income, your wife's leave, or whatever. Your call.
Retirement Income
Tax-advantaged cash value grows inside the policy. Use it or leave it. Closes the pension gap most firefighters don't know they have until they retire and the check is smaller than expected.
Death Benefit
The traditional piece. Your family gets the money if the worst happens. Always. No matter what. Priced right when you lock it in healthy.
Beyond the basics — real strategies for real life.
Life insurance isn't the only tool in the box. Here's what else we do when your situation calls for more than a standard policy. Each one has its own playbook. Ask about any of them on our call.
401(k) & IRA Rollovers
Sitting on an old 401(k) from a past job? Move it into something with real guarantees, living benefits, and no market roller coaster. We help you roll it, not gamble it.
Learn more →Debt-Free Life
A structured plan to kill your debt in a fraction of the time — using the equity built inside a properly designed life policy. Same money does two jobs: protect your family and pay off the house.
Learn more →Cancer-Only Coverage
For firefighters who want protection against the diagnosis most likely to come knocking — without buying a full life policy. Lump-sum cash at diagnosis. Nothing fancy. Just cover.
Learn more →The Kids' Millionaire Plan
Put $10,000 into a properly structured policy on your kid before age 10, then stop. Based on historic performance, they retire a millionaire — or use it as their own bank along the way and pay themselves interest instead of the bank.
Learn more →F&G Indexed Universal Life
Market upside with a zero floor — you don't lose principal in a down year. Living benefits built in (cancer, heart attack, stroke, ALS pay at diagnosis). The right tool when you want permanent protection that also grows.
Learn more →American Amicable Term w/ Disability Rider
Affordable term life that stacks terminal, chronic, and critical illness riders at little to no extra cost — plus an optional Disability Income Rider that pays monthly if you're sidelined. The gap-filler between a cheap term policy and full-coverage life insurance.
Learn more →
Eric Rusch.
In your corner.
I specialize in firefighters and first responders — because nobody else was doing it right — but my door is open to anyone who wants a straight-shooting conversation about protecting their family.
I work with 19 A-rated carriers — so I'm not stuck selling you one company's product. I find what fits your family, your budget, and the life you actually live. And I'll tell you straight what I get paid, because that's the only way trust works.
19 carriers. One agent.
Because no single carrier is best for every firefighter. We shop them all and match you with the one that gives you the best rate, best riders, and best living benefits for your situation.
American Amicable
American Equity
Americo
Assurity
Athene
Banner Life
F&G
Foresters
Gerber Life
Lafayette Life
Liberty Bankers
Mutual of Omaha
Mutual Trust Life
National Life Group
Royal Neighbors
SBLI
United Home Life
Corebridge
TransamericaAll A-rated. All firefighter-friendly underwriting.
What the guys on the job are saying.
Straight talk from firefighters who've sat down at the kitchen table with me. No pitch. No polish. Just what they actually said.
IAFF Local 124 · Fort Wayne, IN
IAFF Local 416 · Indianapolis, IN
IAFF Local 366 · Grand Rapids, MI
Know what you actually have.
Know what you actually need.
Two ways to get started. No pitch either way — and no obligation to move to step two if step one doesn't feel right.
15-min Call
A quick phone call to hear what's on your mind, answer questions, and see if we're even a fit. No numbers, no pitch, no homework.
Book a 15-min Call30-min Zoom
When you're ready to pull up your current coverage, map out the gap, and see exactly what it would cost to close it. Screen-share, real numbers.
Book a 30-min Zoom