As presented by
2019 BENEFITS GUIDE | MIFOP.COM
April 1, 2019 Edition
MICHIGAN STATE LODGE
FRATERNAL ORDER OF POLICE
3474 Alaiedon Pkwy, Suite 500, Okemos, Michigan 48864
Phone (517) 367-8000 Web www.mifop.com
Michael Sauger John Ousnamer
PRESIDENT SECRETARY
“The Voice of Michigan’s Law Enforcement Officers since 1939”
Greetings Brothers & Sisters,
The National Fraternal Order of Police was founded on May 15, 1915 in Pittsburgh and is the Nation’s
largest law enforcement organization with nearly 340,000 members. The Michigan FOP was founded in
1939 and has been representing Michigan’s Police Officers for 80 years. Today, the Michigan FOP has
over 10,000 members.
Legal Defense Plan For only $68 per year, FOP members can be protected by the Nation’s Largest and
Strongest Legal Defense Plan, providing police officers with civil and criminal coverage.
Free College Program You can earn an associate’s degree with no cost at all. No application fee. No
cost for books. This program is also open to your family as well. Visit www.fopfreecollege.org for more
details or to sign up. Already have your degree? The National Fraternal Order of Police University
(NFOPU) is a consortium of colleges and universities that provides members of the National FOP with
multi-varied learning programs, and scholarships are available to members.
National Police Credit Union The National Police Credit Union has over 80 years of serving law
enforcement personnel offering loans below average rates, competitive interest on accounts, and offering
special features, such as killed in the line of duty loan protection.
Life Insurance – members of the FOP receive a $2,000 insurance plan at no additional cost.
Looking for a mortgage, travel planning, auto or homeowners insurance, pension protection, or dental
or vision insurance? You can go to www.fop-benefits.com to get rates, and discounts on these services
and more. Many of these rates are lower than you can find locally as there is strength in numbers.
Looking for a Michigan Fraternal Order of Police License Plate? Our license plates are only available to
FOP members. We do NOT charge a fee for the plate, however, the Secretary of State charges a $25 for
processing of each plate. To learn more, visit our website at www.mifop.com.
In addition to just some of the benefits listed, the Michigan FOP also plays a crucial role in legislative
efforts in Lansing with seats on MCOLES, State 911 Commission and the Michigan Law Enforcement
Officers Memorial. The Michigan FOP held two seats on the Governor’s Task Force on Responsible
Retirement Reform, and was instrumental on PA 195 of 1996, Police Officers and Firefighters Survivor Tuition
Act, which provides an educational benefit to the spouse and children of police officers who are killed in the line of
duty.
The Michigan FOP was also the driving force behind several major bills that effected law enforcement
officers including PA 322 of 2014 (retro activity for collective bargaining); Instrumental on getting PA 312
groups carved out of the RIGHT TO WORK legislation; PA 212 of 1999 which removed residency
requirements for public employees; PA 167 of 2015, Blue Alert Law protecting police officers; and HB
6074 of 2016 which was a lame duck bill to change retiree health care effectively thwarted by an FOP led
rally at the Capitol.
As part of the NFOP Foundation, the Fraternal Order of Police Disaster Relief fund (non-profit 501c3
organization) relies on the generosity of individuals, organizations and corporations and is always prepared
to assist our members in distress i.e.; Hurricane Katrina/Sandy/Joplin/Isaac, Ferguson, Oklahoma City, and
wildfires out west. Currently, disaster relief is working in Texas and Florida rendering aid to those brothers
and sisters recovering from hurricane Harvey and hurricane Irma.
The Michigan FOP is also an outstanding leader in the community through partnerships with:
§ Easter Seals- Helping children and Adults with disabilities live better lives
§ MI Special Olympics- Providing both time and donations to 20,797 athletes
§ Torch Run - FOP is 1 of 3 teams that participate
§ MI Police Memorial- MI FOP is the Top donor for the memorial of over $100,000.
§ COPS & KIDS (formerly Shop With A Cop).
Again, I want to welcome each of you to the Michigan Fraternal Order of Police. If you have any questions
or concerns, please feel free to contact us at our office, 517-367-8000, email us at info@mifop.com, or visit
our website at www.mifop.com.
Fraternally,
Michael Sauger
State President
FOP LEGAL DEFENSE PLAN
ADMINISTRATIVE CIVIL CRIMINAL OFF-DUTY ADMINISTRATIVE
foplegal.com
The FOP Legal Defense Plan, created by the National FOP,
is a self-funded plan that is available to eligible FOP groups
and individual members to cover law enforcement exposures
for legal defense of certain administrative, civil and criminal
proceedings against plan participants.
Our experienced attorneys have defended thousands of cases
and saved members tens of millions of dollars in legal fees.
The FOP Legal Defense Plan is financially secure and offers you
and your lodge members very affordable and comprehensive
coverage. The plan is sponsored by the National FOP, and is
managed and administered by a board of trustees appointed
by the National FOP President and Vice President. Enrollment
is administered by Hylant on behalf of the FOP Legal Plan, Inc.
Legal defense coverage has become a necessity as the frequency
and cost of allegations against peace officers continue to rise.
The Fraternal Order of Police Legal Defense Plan, Inc. offers you
and your lodge members a very affordable comprehensive plan.
Protecting Your Future TODAY.
Featured Benefits Include:
FOP sponsored and operated since 1995
Administered and managed by the Legal Plan
board of trustees
Right to choose your own defense attorney
Coverage for:
Administrative disciplinary proceedings
(including on-duty and off-duty conduct)
Civil lawsuits (duty-related conduct)
Criminal investigations, grand jury
proceedings and prosecutions (duty-
related conduct)
Job and financial protection
Expert claim and enrollment
administration dedicated to the plan
HR-218 coverage
Available to FOP groups and individuals
FOP Legal Defense Plan Pricing
Full Coverage
Group Rate
Full Coverage
Individual Rate
Two-Coverage
Group Rate
Two-Coverage
Individual Rate
$264 $282 $64 $68
Administrative Administrative
Criminal Criminal Criminal Criminal
Civil Civil Civil Civil
Payment Options
LODGES
May elect to pay annually, semi-annually or quarterly. Lodges may also
have their payments automatically deducted from their checking account.
INDIVIDUALS
May pay either annually or semi-annually.
Payment may be made by check, money order or PayPal. (Credit/debit are only
accepted through PayPal.) Please make checks payable to FOP Legal Plan, Inc.
For enrollment and
marketing information,
please contact Hylant at
1.800.341.6038 or
www.foplegal.com.
The Fraternal Order of Police has partnered with Eastern Gateway Community College so FOP Members
and their families can earn an Associate degree from a regionally accredited school with
no out-of-pocket expense and no need for loans!
Worried about the cost of college?
Free college for FOP members and their families!
For more information, call 888-590-9009 or visit www.FOPFreeCollege.org
In Partnership With
Part of the University System of Ohio
The FOP Free College Benet covers the cost of tuition, fees and books for
participating degree programs at EGCC. This is possible through a
combination of grants, employer reimbursements and scholarships.
Even if you are not eligible for nacial aid, the FOP Free College Benet has
you covered. A scholarship will be applied to your outstanding
balance for tuition, fees and books.
Eastern Gateway Community College is a public college, regionally
accredited by the Higher Learning Commission, and governed by the Ohio
Board of Higher Education as part of the University System of Ohio. Credits
earned at EGCC are transferable to most other colleges and universities.
A college degree is your pathway to more opportunity and greater security!
Peace Office Training counts for up to 33 credits - over half of the Criminal Justice Degree!
This benefit for members of the FOP can save you and your family members thousands of dollars.
There is no age limit and family members do not have to live in your house.
1
Workplace Assault
and Hazard Insurance
Providing emergency services to the public carries an inherent risk that all
emergency responders accept in order to care for people in their communities
and do their jobs. We want to help protect you.
¹Inclusive of state surplus lines taxes & fees.
²Premium is subject to increase in policy year 3 based upon the loss ratio but any increase shall not be greater than 3% in any Policy Year.
Benets Include:
(Please see Certicate of Insurance for full benet details.)
Violent Assault Injury
Receive up to $100,000 or $200,000 in tax-free cash payments if an injury or fatality is
sustained as a result of a workplace assault.
Needle-stick Injury and Infection
Up to $100,000 or $200,000 in tax-free cash payments in the event you miss work because you
contracted an infectious disease in the workplace, including HIV, Hep-B & C, and Ebola.
Accidental Death Benet
In the event of accidental death, whether on or off-duty, beneciaries will receive a tax-free, lump
sum cash payment of $100,000 or $200,000, in addition to any other
life insurance benets you already have.
Accidental Dismemberment
Offers up to $100,000 or $200,000 in tax-free, lump sum cash payment,
in addition to other insurance benets you may have.
Plan Options Plan Option 1 Plan Option 2
Aggregate Benet: $100,000 $200,000
Felonious Assault/Violent
Crime Monthly Benet:
$5,000 rst month
$2,500 months 2-38
$10,000 rst month
$5,000 months 2-38
Monthly Premium:
per insured life¹ ²
$10.92 $18.75
Underwritten by Lloyd’s of London
Printed in house. USA
2
Benet Summary
2
Policy Specics
This is a brief description of the insurance provided by this plan to emergency responders.
The Certicate of Insurance is the complete description of coverage and will be made available
by FOP Benets to the Insured Persons.
Felonious Assault/Violent Crime
Loss occurs while on business for/or on the premises of the employer.
Benet Period: 38 months or the date the Insured returns to work, whichever rst occurs.
Plan Options: Plan Option 1 Plan Option 2
Benet Amount:
$5,000 rst month
$2,500 months 2-38
$10,000 rst month
$5,000 months 2-38
Occupational HIV or Hepatitis B/C
If during the Period of Coverage the INSURED PERSON suffers an ACCIDENT which directly results in the
INSURED PERSON being rst DIAGNOSED as HIV POSITIVE/POSITIVE FOR HEPATITIS B and/or HEPATITIS C as
dened below as a direct result of BODILY INJURY occurring whilst the INSURED PERSON is carrying out his/
her duties in connection with his/her occupation than Underwriters agree to pay to the INSURED PERSON the
compensation stated in the Schedule of Compensation after the total claim has been substantiated.
Occupational HIV
Plan Options: Plan Option 1 Plan Option 2
Benet Amount: $100,000 $200,000
Hepatitis B/C
Plan Options: Plan Option 1 Plan Option 2
Benet Amount: $500 per month $1,000 per month
Benet Period: Payable for 12 consecutive months once diagnosed, subject to policy maximums.
Ebola Virus Disease
If during the Period of Coverage the INSURED PERSON suffers an ACCIDENT which directly results in the
INSURED PERSON being rst DIAGNOSED as testing positive for the Ebola Virus Disease as a direct result of
BODILY INJURY occurring whilst the INSURED PERSON is carrying out his/her duties in connection with the
INSURED while on the premises of the INSURED in the UNITED STATES OF AMERICA, then Underwriters agree to
pay to the INSURED PERSON the compensation stated in the SCHEDULE after the total claim has been
substantiated. It is conditional precedent to liability hereon that the INSURED PERSON must comply with all
OSHA directives and protective standards. The INSURED PERSON must be accidentally exposed and diagnosed
by a registered medical practitioner in accordance with laboratory and clinical criteria, the results of which must
prove positive.
Plan Options: Plan Option 1 Plan Option 2
Benet Amount: $10,000 per month $20,000 per month
Benet Period: 10 months or the date the Insured returns to work, whichever rst occurs.
Printed in house. USA
3
Benet Summary
3
Psychological Therapy
The company will pay this additional benet when the Insured Person suffers one or more losses for which
benets are payable under the Accidental Dismemberment benet, Paralysis benet, Coma benet,
Felonious Assault benet or In-Hospital Indemnity benet provided by the Policy.
Plan Options: Plan Option 1 Plan Option 2
Benet Amount:
The lesser of $2,500 or 5% of the
Insured Person’s Principal Sum
The lesser of $5,000 or 5% of the
Insured Person’s Principal Sum
Bereavement and Trauma Counseling
The company will pay this additional benet when the Insured Person suffers one or more losses for which
benets are payable under the Accidental Death and Dismemberment benet, Paralysis benet, Coma
benet, Felonious Assault benet or In-Hospital Indemnity benet provided by the Policy for the Insured
Person, all of his/her Immediate Family Members and employees of the Insured Person’s Employer who are
victimized personally or may be traumatized by witnessing a workplace violence incident with respect to all
such losses caused by the same accident.
Plan Options: Plan Option 1 Plan Option 2
Benet Amount:
$75 per session for
up to 10 sessions
$150 per session for
up to 10 sessions
Accidental Death and Dismemberment
Plan Options: Plan Option 1 Plan Option 2
Benet Amount: $100,000 $200,000
Coverage: Worldwide, full twenty-four hour.
This coverage applies to those benets for which a Benet Amount is shown:
Coverage Benet Amount
Loss of Life 100%
Loss of Both Hands or Both Feet or Entire Sight of Both Eyes 100%
Loss of One Hand and One Foot 100%
Loss of Speech and Hearing in Both Ears 100%
Quadriplegia (Total paralysis of upper and lower limbs) 100%
Paraplegia (Total paralysis of both lower limbs) 75%
Hemiplegia (Total paralysis of upper and lower limbs on one side of the body) 50%
Uniplegia (Total paralysis of one upper or lower limb) 25%
Loss of One Hand or Foot 50%
Loss of Sight in One Eye 50%
Severance and Reattachment of One Hand or Foot 50%
Loss of Speech 50%
Loss of Hearing (in both ears) 50%
Loss of Hearing (in one ear) 25%
Loss of Thumb and Index Finger of the Same Hand 25%
Coma* 100%
*(1% of the Principal Sum is payable monthly for 11 months during which the Covered Person remains comatose. The remaining balance of 100% of the
Principal Sum is payable at the beginning of the 12th month)
Printed in house. USA
4
Benet Summary
Coma Benets
If during the Period of Coverage, the Insured sustains injury caused by an Accident which, directly or
independently of any other cause and within one (1) year from the date of the Accident, resulting in a Coma, the
benet will be payable according to the Statement of Benets.
Waiver of Premium: None Waiting Period: None
Exclusions:
This policy does not cover loss directly or indirectly arising out of, contributed to or caused by or resulting from any of the
following:
1. Intentionally self-inicted Injury, suicide or attempted suicide, whether attempted or inicted while sane or insane;
2. Any act of war, whether declared or not. Declared or undeclared War does not include acts of terrorism.
“War” is used to mean
a) hostilities following a declaration of War by a governmental authority;
b) if there is no declaration of War, then armed, open and continuous hostilities between two countries.
3. Any Accident occurring while riding on, boarding or alighting from, any aircraft:
a) as a pilot, crew member or student pilot;
b) being used for stunt ying, racing or endurance tests, re ghting, exploration
*(This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.)
4. Commission or attempted commission of a felonious act, as dened by the laws of the jurisdiction where the crime
takes place, which results in a conviction of the Insured Person.
5. The Insured being under the inuence of an intoxicant or any drugs or narcotics not legally available unless used as
prescribed by a licensed Physician for a medical condition other than drug addiction;
6. Insured’s Mental or Nervous Disorder.
7. Any activity or condition specically excluded by name on an Endorsement or Specic Activity Rider forming a part of
the Insured Person’s Policy;
8. Riding or driving in any kind of motorized race;
9. While the Insured is engaging or participating in naval, military or air force service or operation;
10. The Insured’s Intoxication as dened herein;
11. Illness, disease, sickness or bacterial infection; except bacterial infection of an Accidental bodily injury or Accidental
ingestion of a substance contaminated by bacteria, unless specically stated to be included;
12. Any activity specically prohibited under the terms and conditions of the Insured’s Employment Contract;
13. An Act of Force or Violence, as dened, which involves the use, release or escape of pathogenic or poisonous
biological or chemical materials or of nuclear materials, or which involves, directly or indirectly, nuclear reaction or
radiation or radioactive contamination.
14. An Act of Terrorism, as dened and outlined in Endorsement Number 1. Nuclear Reaction, nuclear radiation or
radioactive contamination.
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto, it is agreed that
this insurance is extended to include any bodily injury directly or indirectly caused by, resulting from, or in
connection with any of the following;
a) Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state
foreign to the nationality of the insured person whether war be declared with that state or not,
b) Terrorist activity,
always provided that the Insured person(s) are not actively participating in any, or all, of (1) to (2) above, and
further provided that neither (1) nor (2) above are the result of the utilization of Nuclear, Chemical or Biological
weapons of mass destruction howsoever these may be distributed or combined.
Printed in house. USA
Use a network dentist or
any licensed dentist
Competitive
rates
Choice between several
high-value dental options
Coverage for over 250 services including fi llings, crowns, root
canals, orthodontia and more
Discounts on
LASIK laser
vision correction
Extensive coverage for eye exams, eyeglass lenses, frames
and contact lenses
VISION BENEFITS
Access to over 60,000 vision providers nationwide through
National Vision Administrators
1
Individuals can
sign-up online,
over the phone
or through mail
Association members and active and retired union members,
their spouses and their dependents
WHO CAN PARTICIPATE?
Monthly payments debited from checking account or
credit card
DENTAL BENEFITS
1 Participating providers are subject to change.
The Dominion National group of companies includes Dominion Dental Services, Inc., a licensed issuer of
dental plans, and Dominion Dental Services USA, Inc., a licensed administrator of dental and vision benefi ts.
Vision plans are underwritten by Avalon Insurance Company.
This policy includes limitations, exclusions and terms under which the policy may be continued in force or discontinued.
MEMBER DENTAL &
VISION BENEFITS
Members have access to dental and vision benefi ts through Dominion National.
TO LEARN MORE OR TO ENROLL TODAY, VISIT:
FOP-Benefi ts.com or call 888.834.8070
You have a home security system that alerts you if someone tries to rob your house. To be
protected, you need an alert system for your identity. When LifeLock detects suspicious activity
within their network
, they notify members. LifeLock detection is different than traditional credit
monitoring and offers a set of features to help protect against identity theft. As an industry leader,
LifeLock provides identity theft protection.
Enroll in LifeLock
Identity Theft Protection
How to enroll:
1.
Enrollby going to LifeLock.com or calling 1-800-LIFELOCK and use promo code: FOPWEB.
2. Provide the name, Social Security number, date of birth, address , email and
phone number for you and each dependent you wish to enroll.
†††
3.
YourLifeLockcoveragewillbeginimmediately.
4. You will receive a welcome email from LifeLock with instructions on how
to take full advantage of your LifeLock membership.
When a threat is detected,
LifeLock notifies members
b phone, text or email.
*
Network does not cover all transactions.
*
Fastest alerts require member’s current email address
1
“Consumer Sentinel Network Data Book 2014,” Federal Trade Commission, February 2015
2
“2015 Identity Fraud,” Javelin Strategy & Research, 2015
3
Source:http://www.businessweek.com/ap/nancialnews/D9LNB7701.htm
© 2015 LifeLock, Inc. All Rights Reserved. LifeLock, the LockMan Icon and LifeLock Ultimate are registered trademarks of LifeLock, Inc.
Fastest growing segment
IS CHILDREN
3
12.7 MILLION PEOPLE
in the US were
IDENTITY THEFT VICTIMS
in 2014
2
#1 CONSUMER COMPLAINT
CATEGORY REPORTED
to Federal Trade
Commission in 2013
1
In 2014 alone,
identity the cost
$
16
BILLION
2
*
Must agree to the terms and conditions at LifeLock.com/terms.
**
As LifeLock identity theft protection and LifeLock Ultimate service are available for adults 18 years of age and older, children under the age of 18 will receive a product
designedspecicallyforminors,LifeLockJuniorservice.EnrollmentinLifeLockserviceislimitedtoemployeesandtheireligibledependents.
***
Based on monthly deductions for standard LifeLock service, employee only.
Network does not cover all transactions.
††
Must be enrolled with an adult member.
ServiceGuaranteebenetsareprovidedunderamasterpolicyissuedbyStateNationalInsuranceCompany.UndertheServiceGuaranteeLifeLockwillspendupto$1milliontohire
experts to help your recovery. Please see the policy for terms, conditions and exclusions at lifelock.com/legal.
© 2015 LifeLock, Inc. All Rights Reserved. LifeLock, the LockMan Icon and LifeLock Ultimate are registered trademarks of LifeLock, Inc.
Choose the LifeLock service
that’s right for you
LifeLock Standard
identity theft protection
uses innovative monitoring technology and alert
tools to help proactively safeguard your credit
andnances.
LifeLock Junior
protection helps safeguard
your child’s Social Security number and good
name with proactive identity theft protection
designedspecicallyforchildren.
††
LifeLock Advantage
service provides
enhanced identity theft protection, including
importantnoticationsbeyondnancialand
credit fraud.
LifeLock Ultimate Plus
service provides
some peace of mind knowing you have
LifeLock’s most comprehensive identity theft
protection. Enhanced services include bank
account application and takeover alerts, online
credit reports and credit scores.
The necessary, voluntary benefit
Special employee benefit rate
starting as low as
$
8.49
monthly
***
LifeLock service pricing – monthly
Service Features
LifeLock
Standard
LifeLock
Advantage
LifeLock
Ultimate
Plus
LifeLock Identity Alert
®
System
Lost Wallet Protection
AddressChangeVerication
Black Market Website Surveillance
Reduced Pre-Approved Credit Card Offers
Live Member Support
Certified Resolution Support
$1MillionTotalServiceGuarantee
Fictitious Identity Monitoring
Court Records Scanning
Data Breach Notification
Credit Card, Checking & Savings Account Activity Alerts
Online Annual Credit Report
Online Annual Credit Score
Checking & Savings Account Application Alerts
Bank Account Takeover Alerts
Investment Account Activity Alerts
Credit Inquiry Alerts
Monthly Credit Score Tracking
File-Sharing Network Searches
Sex Offender Registry Reports
Priority Live Member Support
Plan Options
* price per person enrolled
LifeLock
Standard
LifeLock
Advantage
LifeLock
Ultimate
Plus
FOP Members and Family
[18 and over]
$8.49 $16.99 $25.49
United States Concealed Carry Association
For over one hundred years the Fraternal Order of Police has been dedicated to supporting the
improvement of the standard of living and working conditions of the law enforcement profession
through every legal and ethical means available.
In honor of this great tradition, we are proud to announce our new partnership with the United
States Concealed Carry Association, and offer you an exclusive discount of 15% off any USCCA
Membership
The USSCA provides industry-leading self-defense training, education, and powerful legal
protection, and we want to make sure every FOP member has access to this lifesaving resource.
Your USCCA Membership will give you the legal and financial support you need to prepare for,
face, and survive a self-defense incident with:
Up to $2,250,000 in up-front Self-Defense SHIELD protection - Pay your bail, secure a pro-
2nd Amendment attorney, and get your legal bases covered if you're ever forced to act in self-
defense
All Legal Weapons Covered - Guns, knives, and hand-to-hand combat... they cover it all
24/7/365 Critical Response Team Access - They will be your second phone call after 9-1-1 to
walk you through the aftermath of a self-defense incident
Training & Education - Access to 1,400+ certified trainers nationwide, 100s of exclusive
training videos, articles, and your included subscription to the award-winning Concealed Carry
Magazine
And much, much more
As a law enforcement professional, you know that simply having a firearm in your home makes you
vulnerable to legal and financial ruin in the aftermath of a self-defense incident
Experience what complete peace of mind feels like when you activate your USCCA Membership at
any level with savings of 15% today
Activate the Protection of USCCA Membership and Save 15%
*Exclusions - Residents of NY and WA State* The USCCA is diligently working to come up with a NY
and WA State friendly solution.
National Police Credit Union
Did you know that your membership with the National FOP allows you to join
the National Police Credit Union? NPCU is a division of Chicago Patrolmen's
Federal Credit Union, serving Chicago Police Officers since 1938.
The Grand Lodge Board is excited to provide you access to the NPCU Auto Loan
Program, which offers the following benefits:
Rates as low as 1.49% APR *
Covers new and currently owned vehicles
Reduced documentation
Offers loan pre-approval so you can negotiate like a cash buyer
Can be combined with manufacturer rebates to maximize member value
They don't just offer amazing Auto Loans; they are a full service financial institution! Their
77 years of experience combined with modern conveniences such as Online Banking,
Bill Pay and the Shared Branch network make them your first stop for any and all financial
needs. You'll gain access to low rateson everything from new and used autos and
motorcycles, to signature loans! They also have a full suite of products and services to
help you save money and plan for your future.
It's easier than ever to get started. Simply complete the Online Membership
Application to join the financial institution that specializes in serving those who serve and
protect!
*Rates subject to change without notice and vary based on term and credit score. Additional restrictions may apply. APR: Annual
Percentage Rate
Auto and Home Insurance for FOP Members
At Liberty Mutual Insurance, we take the time to get to know you. You can rely on our licensed
sales representatives and highly trained service agents to support you with expert advice at
every step of the process, from the purchase and review of your policy to claims assistance and
safety education. We consider your unique needs and specific situation when recommending
coverage and services so you can make confident decisions that are right for you. And we also
consult with you to ensure you’ll receive the money-saving benets you qualify for, including
discounts tailored to important life events and exclusive group savings for FOP members.
QUALITY COVERAGE TAILORED TO YOUR NEEDS
At Liberty Mutual, we take a personal approach to customizing your insurance policy. We consult with you to recommend
coverage levels and options based on your specifi c driving and living situations so that your family, your car, your
motorcycle, and your home are properly protected. Our insurance benefi ts include:
Accident Forgiveness: We won’t raise your price due to your fi rst accident if your driving record is accident-free and
violation-free for fi ve years, whether you’ve been with Liberty Mutual or another carrier. If you qualify, you’ll receive this
benefi t at no extra cost.
1
New Car Replacement: You’ll get the money for a brand-new car if your new car gets totaled.
2
Motorcycle Insurance: You get a 12-month guaranteed rate
3
on full protection with optional Accessory Coverage,
Towing & Labor Services, and 24-Hour Roadside Assistance.
EXPERT ADVICE FROM SALES AND SERVICE AGENTS
Liberty Mutual agents are available 24 hours a day, 7 days a week. We explain our coverage and services clearly, in
language that’s easy to understand.
Doing Business Your Way: You can contact a sales or service agent by phone or online anytime, or schedule a meeting
with one of our 2,100 sales representatives at more than 360 local offi ces across the country.
24-Hour Claims Assistance: Our highly trained professionals handle claims promptly and with the least amount of hassle
so that you can move on with your life. One contact puts the claims process in motion, followed up by regular status reports
to keep you informed.
SAVINGS THAT KEEP PACE WITH YOUR LIFE
We’re dedicated to providing you with multiple savings opportunities that make our quality coverage, expert advice and
caring service an even greater value.
4
Exclusive Group Savings: As an FOP member, you could save up to 10% off your auto and home insurance—just
by belonging.
5
Multi-Policy Discount: The more you insure with us, the more you save. That’s the benefi t of combining your auto
insurance with another Liberty Mutual policy, such as Home, Condo, Renters or Umbrella.
Life Event Discounts: We offer a variety of discounts to support you during important events in your life, including:
New Move Discount: We’ll reward you with special savings just for updating your policy with your new address.
Newly Married Discount: Just for newly married couples, get the right coverage with special savings.
New Teen Driver Discount: You get special savings when you add a teenage operator licensed in the last year
to your policy.
Quality Coverage, Expert Advice, and Caring Service—
at a Fair Price
For more information or to get a free quote
call 800-524-9400 or visit
www.libertymutual.com/fop
Refer to FOP, client #120824
~
1
Accident Forgiveness coverage is subject to terms and conditions of Liberty Mutual’s underwriting guidelines and is not available in CA or NC.
~
2
Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles and have had no previous owner. This
program does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Not available in NC or WY.
~
3
Arkansas rate guaranteed for six months.
~
4
Discounts and savings are available where state laws and regulations allow, are subject to eligibility requirements, and may vary by state.
~
5
Average savings  gure based on a February 2013 sample comparing premium of those in Liberty Mutual’s group auto and home program with
premium of prior carrier. Individual premiums and savings will vary. To the extent permitted by law, applicants are individually underwritten; not
all applicants may qualify.
Coverage provided and underwritten by Liberty Mutual Insurance Company and its af liates, 175 Berkeley St., Boston, MA 02116.
© 2016 Liberty Mutual Insurance Company. All rights reserved.
800-524-9400
NOTES
Michigan Fraternal Order of Police
3474 Alaiedon Parkway, Ste 500
Okemos, MI 48864
(517) 367-8000
www.mifop.com
text mifop
to 31996
to join the fop
of 0