a division of D.M. Ulatowski is dedicated to providing volunteer firefighters with a unique benefit designed with both the firefighter and their community in mind.       A Service Award Program is an incentive plan created to reward active volunteer firefighters for their years of dedicated service by providing them with an award that takes the form of additional income at entitlement age.       The program is designed whereby contributions are made to a plan using either a defined benefit or a defined contribution formula for each active and qualifying volunteer firefighter. When the eligible volunteer reaches entitlement age they become eligiable to receive a monthly benefit based on their years of qualifying service to their fire department.       At Firefighters Benefit and Insurance Services, we believe that success in today's Service Award Program market is more dependent then ever on the right formula. The Service Award Program must meet the needs of the volunteer fire company, and at the same time bare in mind the taxpayer of the community that will support the program. You should expect nothing but the best... from inital plan design to final implementation of the program. Our flexibility and innovation have helped us become a leader in this area. If you are looking for quality products, New York strength, excellent support staff, independent analysis and local representation... look no further. Firefighters Benefit and Insurance Services has the formula for success.

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