National Peace Officers and Fire Fighters Benefit Association
NPFBA is a California non-profit mutual benefit trust, jointly sponsored by CLEA and CAPF, providing long-term care insurance to active and retired law enforcement officers, firefighters, and their families under California Department of Insurance authority.
- Company typePrivate
- Founded1999
- HeadquartersJackson, United States
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What National Peace Officers and Fire Fighters Benefit Association does
National Peace Officers and Fire Fighters Benefit Association (NPFBA) is a California-based, non-profit mutual benefit trust established in 1999 through the joint sponsorship of the California Law Enforcement Association (CLEA) and the California Association of Professional Firefighters (CAPF). It provides long-term care insurance exclusively to active and retired California law enforcement officers, firefighters, their spouses and domestic partners, and non-safety civilian employees of these agencies. NPFBA is headquartered in Jackson, California (256 Scottsville Blvd.) and is regulated by the California Department of Insurance under Certificates of Authority issued to CLEA and CAPF, operating within the framework of the California Insurance Code governing benefit and relief associations for peace officers and firefighters.
NPFBA offers three core products — Long Term Care NPFBA 750 (up to $750,000 lifetime benefit), NPFBA 500 (up to $500,000), and Secure 55 (priced for members age 55 and under) — each providing home health care, assisted living/residential care, nursing home, and respite care coverage. Plans feature 3% annual cost-of-living increases for the first 26 years, tax-free benefits, waiver of premium while receiving benefits, nationwide portability, a 90-day elimination period, and member-determined level of care. Pricing is age-based and subscription-based with monthly billing; applicants must apply while in active service and before age 61.
Distribution is conducted via association channels (CLEA, CAPF), direct website application (npfba.org), a 1-877-582-0003 phone sales line, and Zoom consultations, with applications processed via DocuSign. California Public Safety Administrations, Inc. acts as Plan Administrator. Wells Fargo Advisors manages the trust's $205M+ in assets under NPFBA Trustees' oversight. The business model is premium-funded: members pay recurring monthly contributions into the mutual trust, and all surplus funds are reinvested for member benefit rather than distributed to shareholders.
National Peace Officers and Fire Fighters Benefit Association firmographics
Firmographics- Name
- National Peace Officers and Fire Fighters Benefit Association
- Legal name
- National Peace Officers and Fire Fighters Benefit Association
- Website
- https://npfba.org
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- NPFBA is a California non-profit mutual benefit trust, jointly sponsored by CLEA and CAPF, providing long-term care insurance to active and retired law enforcement officers, firefighters, and their families under California Department of Insurance authority.
- Ownership category
- akta.pro rank
National Peace Officers and Fire Fighters Benefit Association industry classification
Industry- Product category
- Long-Term Care Insurance
- NAICS
- Other Insurance Funds (52519), Insurance and Employee Benefit Funds (5251)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)
Keywords
Where National Peace Officers and Fire Fighters Benefit Association is headquartered
LocationHeadquarters
- HQ city
- Jackson
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
National Peace Officers and Fire Fighters Benefit Association business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Long Term Care Insurance Premiums: Membership-based insurance premiums for long-term care coverage. NPFBA operates as a non-profit mutual benefit trust, jointly established by CLEA and CAPF, with funds dedicated to non-profit purposes. Premium pricing is based on issue age and selected payment term. All NPFBA funds (over $205 million as of August 2025) are dedicated to its non-profit purposes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | NPFBA Long Term Care Plan with escalating daily benefit rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
National Peace Officers and Fire Fighters Benefit Association product offering
Product offeringCore offering
NPFBA is a non-profit mutual benefit trust that provides long-term care insurance plans specifically designed for California law enforcement officers, firefighters, and their spouses. The organization offers three membership-based plans (NPFBA 750, NPFBA 500, and Secure 55) covering home health care, assisted living, nursing home care, and respite care, with lifetime benefits ranging from $500,000 to $750,000. Plans are jointly established by CLEA and CAPF and operated under regulatory authority from the California Department of Insurance.
Product overview
NPFBA offers a portfolio of three long-term care insurance plans designed specifically for California law enforcement officers, firefighters, and their spouses. The product lineup includes the NPFBA 750 (providing up to $750,000 in lifetime benefits), the NPFBA 500 (offering up to $500,000 in lifetime benefits), and the Secure 55 plan. All plans provide coverage for home health care, assisted living, nursing home care, and respite care, with features including 3% annual cost-of-living increases, tax-free benefits, nationwide portability, and waiver of premium payments while receiving benefits. The plans are structured as non-profit mutual benefit trust products jointly established by CLEA and CAPF and regulated by the California Department of Insurance.
Differentiator
Problem solved
Functional benefit
Brands
- Long Term Care NPFBA 750: Long-term care plan with up to $750,000 in lifetime benefits
- Long Term Care NPFBA 500
- Long Term Care Secure 55
Products and services
- Long Term Care NPFBA 750 Long-term care insurance plan with up to $750,000 in lifetime benefits for California law enforcement, firefighters, and their spouses. Provides coverage for home health care, assisted living/residential care, nursing home care, and respite care, with 3% annual cost-of-living increases for first 26 years, tax-free benefits, nationwide portability, and waiver of premium payments while receiving benefits. Year 1 rates: Nursing Home $150/day, Residential $105/day (70%), Home Care $75/day (50%). Year 26 rates: Nursing Home $315/day, Residential $221/day, Home Care $158/day.
- Long Term Care NPFBA 500 Long-term care insurance plan with up to $500,000 in lifetime benefits for California law enforcement, firefighters, and their spouses. Provides coverage for home health care, assisted living/residential care, nursing home care, and respite care, with 3% annual cost-of-living increases for first 26 years, tax-free benefits, nationwide portability, and waiver of premium payments while receiving benefits.
- Long Term Care Secure 55 Long-term care insurance plan designed specifically for members age 55 and under among California law enforcement, firefighters, and their spouses. Provides coverage for home health care, assisted living/residential care, nursing home care, and respite care with the same 3% annual cost-of-living increases, tax-free benefits, nationwide portability, and waiver of premium payments while receiving benefits as the other NPFBA plans.
Companies that use National Peace Officers and Fire Fighters Benefit Association
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
National Peace Officers and Fire Fighters Benefit Association technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
National Peace Officers and Fire Fighters Benefit Association partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- California Law Enforcement Association (CLEA)coreCo-founding partner of NPFBA. Jointly established NPFBA mutual benefit trust. Operates pursuant to Certificate of Authority from California Department of Insurance. Provides long-term disability (LTD) plans for law enforcement officers. CLEA and CAPF have nearly 40 years of combined experience providing benefits.
- California Association of Professional Firefighters (CAPF)coreCo-founding partner of NPFBA. Jointly established NPFBA mutual benefit trust. Operates pursuant to Certificate of Authority from California Department of Insurance. Provides long-term disability (LTD) plans for firefighters. CLEA and CAPF have nearly 40 years of combined experience providing benefits.
- California Public Safety Administrations, Inc.coreOfficial Plan Administrator for NPFBA, CLEA, and CAPF. Handles payment reminders for delinquent members, plan administration, and member communications. Contact: 800-832-7333.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
National Peace Officers and Fire Fighters Benefit Association competitors and assessment
Company assessmentBroad incumbents
- Genworth Financial: One of the largest U.S. long-term care insurance carriers with a broad individual and group LTC book. Comparable to NPFBA as a major provider of traditional LTC insurance, though Genworth operates nationally across all consumer segments rather than serving a single occupational niche.
- Transamerica: A large life and health insurer with a historical individual LTC product line. Comparable to NPFBA in offering traditional LTC insurance and broader life/health coverage, though Transamerica serves the general consumer market nationally rather than a public-safety niche.
- MassMutual: A major mutual life insurer that offers long-term care insurance and hybrid life/LTC solutions. Comparable to NPFBA's mutual-oriented governance and LTC focus, though MassMutual's scale and product breadth are substantially larger.
- Lincoln Financial Group: A national insurance and retirement company that historically offered long-term care insurance and continues to manage an in-force LTC block. Comparable to NPFBA in traditional LTC offerings, though Lincoln operates across many product lines and customer segments.
- Northwestern Mutual: A mutual financial services company offering long-term care insurance alongside life and disability products. Comparable to NPFBA in mutual/benefit-oriented ethos and LTC product, though Northwestern Mutual serves affluent consumers broadly rather than a defined occupational niche.
- Mutual of Omaha: A major mutual insurer that has historically offered individual long-term care insurance and currently runs an in-force LTC block. Comparable to NPFBA's LTC focus and mutual/non-profit-adjacent structure, though Mutual of Omaha serves the general population nationwide.
- Nationwide Mutual Insurance Company: A large mutual insurer offering life, retirement, and long-term care products. Comparable to NPFBA's mutual-trust ethos and presence in the LTC market, though Nationwide operates at national scale across diverse customer segments.
- New York Life Insurance Company: A major mutual life insurer with a meaningful long-term care insurance in-force book. Comparable to NPFBA's life/health insurance classification and mutual-style structure, though New York Life offers a much broader product portfolio beyond LTC.
Others
- California Association of Professional Firefighters (CAPF): Co-founding sponsor of NPFBA and provider of LTD plans to California firefighters. Related rather than directly competitive — CAPF's LTD offering complements NPFBA's LTC product, and the two share board representation and member-channel distribution.
- California Law Enforcement Association (CLEA): Co-founding sponsor of NPFBA and provider of long-term disability (LTD) plans to California law enforcement. Related rather than directly competitive — NPFBA's LTC product is a complement to CLEA's LTD offering, but the two organizations share distribution and member relationships.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
National Peace Officers and Fire Fighters Benefit Association social profiles
Digital presenceNational Peace Officers and Fire Fighters Benefit Association financial estimates
Financial estimateRevenue estimate
Valuation estimate
National Peace Officers and Fire Fighters Benefit Association leadership team
Management profileNumber of profiles
National Peace Officers and Fire Fighters Benefit Association funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
National Peace Officers and Fire Fighters Benefit Association M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about National Peace Officers and Fire Fighters Benefit Association
What does National Peace Officers and Fire Fighters Benefit Association do?
NPFBA is a non-profit mutual benefit trust that provides long-term care insurance plans specifically designed for California law enforcement officers, firefighters, and their spouses. The organization offers three membership-based plans (NPFBA 750, NPFBA 500, and Secure 55) covering home health care, assisted living, nursing home care, and respite care, with lifetime benefits ranging from $500,000 to $750,000. Plans are jointly established by CLEA and CAPF and operated under regulatory authority from the California Department of Insurance.
Is National Peace Officers and Fire Fighters Benefit Association a public or private company?
National Peace Officers and Fire Fighters Benefit Association is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was National Peace Officers and Fire Fighters Benefit Association founded?
National Peace Officers and Fire Fighters Benefit Association was founded in 1999. It employs 5,001 to 10,000 people.
Where is National Peace Officers and Fire Fighters Benefit Association based?
National Peace Officers and Fire Fighters Benefit Association is headquartered in Jackson, United States, in the North America region.
How does National Peace Officers and Fire Fighters Benefit Association make money?
One revenue line is on record: long Term Care Insurance Premiums.
Who are National Peace Officers and Fire Fighters Benefit Association's main competitors?
Broad incumbents on record are Genworth Financial, Transamerica, MassMutual, Lincoln Financial Group, Northwestern Mutual, Mutual of Omaha, Nationwide Mutual Insurance Company and New York Life Insurance Company. Others are California Association of Professional Firefighters (CAPF) and California Law Enforcement Association (CLEA).
Does National Peace Officers and Fire Fighters Benefit Association have an API?
No public API is recorded for National Peace Officers and Fire Fighters Benefit Association.
What industry is National Peace Officers and Fire Fighters Benefit Association in?
National Peace Officers and Fire Fighters Benefit Association's product category is Long-Term Care Insurance. Its primary akta.pro industry code is FSAIAJAA, Traditional Long-Term Care (LTC) Insurance. Its NAICS code is 52519 and its SIC code is 6311.