New York State Fraternal Order of Police

Member Benefits


The New York State Fraternal Order of Police is proud to announce a partnership with Beacon Financial to offer exciting new benefits to our members. As always, we are extremely interested in your feedback, so if there is anything else you would like to see offered, please contact your NYSFOP Benefits Team!

As always, you may contact your Beacon Benefits Advisor to find out more information about anything not listed on this page. The Guaranteed Issue Life Insurance may not fit each individual's needs. However, Beacon can shop the highest rated Life Insurance companies to find the best options for Term and Permanent Life Insurance out there. Contact Beacon to schedule your complimentary financial consultation today!

Contact a Beacon Financial Advisor at or Call at 888-610-2239 x 1



Benefits currently offered by the NYSFOP are:

FREE Discount Prescription Cards
NYSFOP Group Dental Plan
NYSFOP Discounted Long Term Care
NYSFOP Group Life Insurance Plans

NYSFOP Discount Programs
The Arbors


 Home Loan Program 
  Discounted FOP Long Term Care from TransAmerica  

We are excited to bring you a discounted Long Term Care program from TransAmerica. With up to 35% Discounts for FOP members, this LTC program offers rich benefits for as cheap as possible. Maximum discounts received if both spouses take out a joint policy.

What is Long Term Care Insurance?


Quick Overview - NY

Joint Multi-Life Brochure

Do I Need LTC?

What Happens Next?


Discount Prescription Cards

These cards are FREE to members of the FOP, they can be used at any participating pharmacy to receive a discount on prescriptions. Members can give these cards to friends and family members!! To print out a copy of your card, click the card to the right. You will have to cut it out yourself.

One of the unique aspects of this program is that you can see not only what pharmacies in your area accept this discount card, but also what you can expect to pay for each prescription at those pharmacies. Use the link below to see what your prescription will cost with this discount card!

Print out your card


FOP Group Dental Plan

American Dental

The NYSFOP have negotiated an exclusive "Freedom Plan" for NYSFOP Members and their families. This plan covers 23 procedures at no charge, and has 10 American Dental Super Centers in NYC and Long Island. The cost for a FOP member is $89 for the year, and is $199 a year for your entire family. Check out the brochures below for additional information. When you are ready to sign up, call a Beacon representative at 888-510-4408 who will walk you through the process step-by-step.

Overview Plan Outline Locations American Dental vs CIGNA



The New York State FOP is offering two dental insurance options from CIGNA: Cigna Group HMO and PPO Dental Insurance. The Cigna dental plan for the NYSFOP is a full coverage dental plan which covers 2 exams a year!! Including 2 cleanings a year, x-rays, fillings and much much more!! Low group rates for Individuals, Couples and Families!!

Know What's Important Rates See Whats Covered PPO See Whats Covered HMO General Information

CIGNA Dental Plan

Cigna Rates 2014


Patient Charge Schedule

General Information


Contact a Beacon Advisor for more information



FOP Group Life Insurance

The NYSFOP now has 3 new Life Insurance options available to our members. All policies cover to age 121, accumulate a guaranteed cash value and guarantee level premiums and death benefits! To inquire further about any of these specific products, please call us at 888-610-2239 x 1 or Email Us.

Click Here for a Flyer on your FOP Life Insurance Options


Guaranteed Issue Whole Life Insurance  
  • Up to $25,000 in coverage
  • No medical exams, NO blood testing and NO physician statements
  • Issue age 50 - 75
  • Ideal to offset policy values lost to years of inflation, create an estate to leave to your heirs or supplement life insurance coverage lost following retirement
  • Guaranteed premiums
Simplified Issue Whole Life Insurance  
  • Up to $100,000 in coverage
  • No medical exams, NO blood testing and NO physician statements
    • Answer 4 simple medical history questions to be elligible for this policy
  • Issue age 0 - 70
  • Spouse and Child policies available
  • Waiver of Premium and Child Term Riders available
Whole Life Insurance  
  • Full Medical Underwriting
  • Issue age 0 - 80
  • Guaranteed Level Premiums and Death Benefit
  • Many riders available: Insured Disability Benefit, Accidental Death, Childs Term, Term Insurance, Spouse Term and Accelerated Benefit Rider
  • Designed to satisfy long-term needs with guarantees in premiums and benefits



The Arbors

The NYS FOP Executive Board has approved a new benefit provider for the membership.
We are proud to introduce, The Arbors, an assisted living community that offers discounted benefits to veterans and first responders.
Click here for more..

The Arbors offers a program created by the Department of Veterans Affairs for wartime veterans and their surviving spouses. This program helps make assisted living an affordable option to many seniors who may have thought it was not possible.
Click here for the detail about NYSFOP Seminar

Please review the attached announcement from The Arbors.

The Arbors representatives are looking forward to attending your lodge meetings to discuss their services further. Please contact, Susan 631-232-3131 or email, to schedule an Arbors representative to attend your next meeting.

As always you can contact Beacon Financial directly with any questions 888-610-2239 or Visit