Insurance Advice from Someone Who Lives This Life
Bean isn't just an insurance professional who works with first responders. She's a fire wife — married to Battalion Chief Alan Matheson. She has sat in the waiting room. She has read the EOBs at 2am. She gets it in a way most advisors never will.
"When Alan was hospitalized, I realized that even I — someone who works in insurance every day — was overwhelmed by the system. If it was hard for me, what is it like for families who don't have this background?"
— Bean, Fire Wife & Insurance Advocate
The Risks Most Advisors Don't Talk About
First responders face unique risks that require specialized coverage planning.
Cancer Risk & PFAS Exposure
Firefighters face significantly elevated cancer rates from PFAS-contaminated gear and smoke exposure. Your life and disability coverage must account for this — most standard policies don't.
Line-of-Duty Disability
If you're injured on the job, workers' comp may not be enough. A personal disability policy fills the gap — especially for volunteer firefighters with limited coverage.
PTSD & Mental Health Coverage
First responders experience PTSD at 3x the rate of the general population. Know what your health plan covers for mental health — and what it doesn't.
Retirement & Pension Gaps
Fire pensions are valuable but not always enough. Bean helps first responder families build a complete retirement picture that accounts for early retirement and health costs.
For the Spouses & Partners
You hold the family together. Bean helps you understand the financial safety net.
Understanding your spouse's benefits package
Health, dental, vision, life, disability — Bean walks you through every benefit so you know exactly what you have and what gaps need filling.
What happens if they're injured
Workers' comp, disability pay, LODD benefits — Bean helps you understand the financial picture before a crisis hits.
Life insurance for first responders
Standard life insurance may not cover line-of-duty deaths the way you think. Bean reviews your policy and makes sure your family is truly protected.
Planning for early retirement
Many firefighters retire in their 50s — before Medicare eligibility. Bean helps bridge the healthcare coverage gap.
Fire Owned & Operated
Bean Here Done That is a fire family business. Alan's service — and his health journey — is the reason this resource exists. Every firefighter, paramedic, dispatcher, and first responder who comes to Bean gets someone who truly understands their world.
Your Family Deserves Someone Who Gets It
Bean is licensed in Utah, Idaho, and Arizona. Free consultations for all first responder families.