Dearborn National

Products & Services

  • Solutions for Municipalities

    Benefits Designed to Help Cover Your Unique Needs

Solutions for Municipalities

Benefits Designed to Help Cover Your Unique Needs

We’ve been serving municipalities for more than 40 years, and we understand the unique challenges you face when selecting group benefits for your employees.

Currently, we administer employee benefit programs for nearly 1,400 state, local and district-level government bodies throughout the country.

The following features have been designed specifically for municipalities and their employees. They are included in our standard products and services at no additional cost.

It’s our way of thanking you for the important work you and your employees do.


We have been serving municipalities for
40 years
City Hall
We administer employee benefit programs for nearly
1,400
state, local and district-level government bodies throughout the country.

Critical Incident Counseling Services

Police and fire departments, along with public works employees, have a higher rate of accidental, on-the-job deaths than many commercial employees.

In addition to the standard grief counseling benefits offered to beneficiaries through Beneficiary Resource Services™*, we also provide a Critical Incident counseling service for our municipality life insurance customers with 50 or more employees.

This service is available to all employees and provides an onsite counselor for up to two days if a municipality employee suffers an on-the-job, accidental death.

Additional Accidental Death Benefits

For groups whose life insurance includes Accidental Death & Dismemberment coverage, we provide additional Accidental Death Benefits specifically designed to bring more financial security to police and firefighters.

  • In the Line of Duty Benefit: provides an additional accidental death benefit to the beneficiary of a public safety officer if killed in an accident while on the job
  • Felonious Assault Benefit: pays an additional benefit if death occurs due to a robbery, hold up, kidnapping while attempting a holdup or any other felonious assault

Benefits for Union Contracts and Elected/Appointed Officials

Many municipalities have a wide range of employees, including union members, non-union employees and elected officials. We offer the flexibility to design benefit plans to meet the specific needs of each type of employee.

Contact us to learn how we can help meet your insurance needs.