Welcome to VESOLife

VESOLife was established in 1982 to provide group term life insurance specifically for Volunteer Emergency Service Organizations (VESO), such as fire departments, fire districts, rescue squads, ambulance squads, or similar organizations. It was designed by and is administered by NBT Insurance Agency. The insurance plan has been underwritten since its inception by Security Mutual Life Insurance Company of New York which is located at 100 Court Street, Binghamton, NY 13902.

Over 16,000 members are insured for a total volume of in-force insurance that exceeds $300 million dollars. Since inception, over $19 million dollars has been paid to VESO beneficiaries.

Coverage is offered through licensed brokers and is available in the following states:

• Connecticut
• Delaware
• Georgia
• Kansas
• Maryland
• Massachusetts
• Mississippi
• Missouri
• Nevada
• New Jersey
• New York
• North Carolina
• Pennsylvania
• Rhode Island
• South Carolina
• Virginia

Click on the Benefits Information tab on the left to learn more about the VESOLife insurance benefits. Additional information is provided to VESO and their members as well as to existing or potential brokers. Please click on the applicable tab to see information specific to these entities.

The group life master policy (form no. GR-1982-1) contains exclusions, limitations, reductions in benefits and terms for maintaining coverage in force. Complete details can be found in the master policy. The descriptions provided herein are general in nature and are not a contract or a summary of the master policy. Coverages are subject to all master policy provisions. In the event of any conflict or inconsistency between the information contained within this website and the information contained in the master policy, the master policy will govern in all respects. For complete details, please contact the plan administrator.