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Premium Insurance

Starting around $1 per day

Coverage For AccidentsCritical IllnessDisabilityLife

No matter what you need, we’ve got you covered.  

We formed First Responders Benefit Trust to provide medical, disability, life and dental coverage to officers across Texas. Founded by retired and active Houston Police Officers, we knew our on-the-job experiences would help us create plans that covered officers when they needed it.

We’ve partnered with the Dallas Police Association to provide plans for Dallas officers who are members of the DPA. For information about specific benefits packages and to access downloadable forms, click on the menu options above. If you have any questions, please contact our offices toll-free at 800.846.1167 or via email at [email protected]. FRBT is a Texas Police Trust company.



We have been protecting law enforcement since 1982

Our commitment to support law enforcement is in the numbers.

According to the CDC, around 35 million people each year visit the ER due to an injury.
FastStats - Emergency Department Visits (
An FBI study concluded that more than 65,000 officers in the USA were assaulted in 2020.
FBI Releases Statistics for Law Enforcement Officers Assaulted and Killed in the Line of Duty — FBI
Since partnering with Combined Insurance in 2013, FRBT has paid more than $1.2M in claims to members in Texas
Payouts to Law Enforcement

No one plans on getting injured ... but just in case, we’ve got you covered.

You do everything you can to stay active and healthy, but accidents happen every day, including sports-related accidents. An injury that hurts an arm or a leg can hurt your finances too. That’s where Accident Champion can help. Accident Champion pays cash benefits directly to you or anyone you choose regardless of any other coverage you have. And Accident Champion pays extra benefits for injuries resulting from participating in organized sports. Let Accident Champion help take care of your bills so you can take care of yourself and your family.

Accident Champion Benefits always include:

First Accident

Pays you $100 soon after you report your first claim for covered benefits! If you get injured, we can begin processing your claim right as soon as you submit it, so you can get cash fast.

Sports Package

Your benefits increase 25%, up to $1,000 per person per year, for injuries resulting from participating in organized sports! Playing sports can lead to injuries and unwelcome expenses. We’ll increase your benefits to help pay those expenses.

Rehabilitation Package

We pay cash benefits for Admission, Daily Confinement and Recovery! Whether you are released to a Rehabilitation Center following a hospital stay or you recover at home, we pay a daily recovery benefit to help with your transition.

Here’s How Accident Champion Benefits Can Work

Accident Champion helps pay for the unexpected costs of an accidental injury by providing benefits for initial care, injuries, treatment, facility care and follow-up care. If your child gets injured during soccer practice and breaks his leg, here’s how benefits may stack up:


First Accident


ER Visit




Physical Therapy

Follow-up Visits


PLUS Sports Package

Remaining Coverage












If you had a heart attack tomorrow, what would you worry about?

Paying your bills? Taking care of your family? Getting better? If you’re like most people, being diagnosed with a critical illness can be overwhelming, even scary. The last thing you want to worry about is money. Critical Illness Champion pays cash benefits directly to you that can be used to help with your bills, your mortgage, your rent, your childcare—you name it—so you can focus on recovery.

No one plans on getting sick . . . But just in case, we’ve got you covered.

Critical illnesses, such as heart attack, cancer and stroke, happen every day. They can have serious consequences, both physical and financial. To maintain your lifestyle and help you recover, you may need some financial help.

Are your savings enough to pay your bills?

While you’re being treated for a critical illness, your income could be affected for 3 to 6 months. Most families do not have enough savings to keep up with:

Critical illnesses are expensive

Simply put, critical illnesses cost money. Even with medical insurance, out-of-pocket expenses like these can pile up quickly: • Medical Deductibles and Co-Pays • Out-Of-Network Specialists • Prescriptions • Rehabilitation • Nursing Care • Medical Travel

How it works

When you are diagnosed with a covered condition1, submit your claim and we’ll quickly send you a check. It’s that simple. You can use your money however you choose.

Triple Benefit in Action


$20,000 Face Amount x3 = $60,000 Total Maximum Benefit

Heart Attack Diagnosis

Stroke Diagnosis

Stroke Recurrence

Remaining Coverage





Triple Benefit

If you get sick again with another covered condition, you’re still covered. With Triple Benefit, you can receive up to 3 times the Face Amount for each person you choose to cover. That means if you choose a $20,000 Face Amount you can receive as much as $60,000 in cash.

Recurrence Benefit

If we have paid a critical illness benefit for Benign Brain Tumor, Cancer, Coma, Heart Attack or Stroke, and there is a recurrence, you can receive up to 25% of your Face Amount, as long as you were back to work and treatment-free for at least 6 months. The Recurrence Benefit can be paid up to 2 times.

We help law enforcement stay covered.

When it matters most, First Responders Benefit Trust is there.

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