Americas Leading Insurer of Emergency Organizations

Our Insurance Carriers

VFIS is proud to underwrite emergency service organizations on behalf of these highly-rated insurance companies.


Property and Casualty Coverage
Coverage is underwritten on behalf of American Alternative Insurance Corporation (AAIC), an admitted affiliate of Munich Reinsurance America, Inc. AAIC has an A.M. Best rating of A+ (Superior) and XV financial size and an insurer financial strength rating of AA- (Very Strong) from Standard & Poor's.

Accident and Sickness Coverage

Accident and Sickness Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, Pennsylvania, a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, New York, 10038. National Union Fire Insurance Company of Pittsburgh, Pennsylvania., has an A.M. Best rating of A (Excellent) with an XV financial size. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.

Canada Coverage

In Canada, coverage is underwritten by AIG Insurance Company of Canada, with its principal place of business at 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. AIG Insurance Company of Canada has an A.M. Best rating of A (Excellent) and XV financial size.


Length of Service Awards Program

Length of Service Awards Program (LOSAP): Life insurance placed in the LOSAP is underwritten by Combined Insurance Company of America (CICA), with its principal place of business in Chicago, Illinois. Life insurance written for New York clients is underwritten by Combined Life Insurance Company of New York (CICNY), with its principal place of business in Latham, New York. As of 3/7/13, both CICA and CICNY were rated A (Excellent) by A.M. Best.


Group Life Insurance
Group Life Insurance is underwritten by Combined Insurance of America (CICA), with its principal place of business in Chicago, Illinois. New York clients are underwritten by Combined Life Insurance Company of New York (CICNY), with its principal place of business in Latham, New York. It has an A.M. Best ratings of A (Excellent). Business written prior to April 2011 is underwritten by American General Life Insurance Company of Delaware, with its principal place location at 2727-A Allen Parkway, Houston, TX 77019-2115. New York clients are underwritten by The United States Life Insurance Company, with its principal location in the city of New York, New York.