Plan Comparison
| Availability and Cost | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| Availability |
Any CCW Permit Holder |
Active or Retired LE/MIL or honorably discharged Veterans and credentialed first responders |
Any CCW Permit holder |
Active or retired LE/HR218/LEOSA ONLY |
Any person allowed to carry a firearm, residing in a 'Constitutional Carry' state |
Any person allowed to carry a firearm, residing in a 'Constitutional Carry' state |
Any person legally allowed to possess a firearm in their state of residence. |
| Restricted States |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, & WA |
*NJ, NY, WA |
*NJ, NY, WA |
*NJ, NY, WA |
| Annual/Monthly Costs |
$209/$19 |
$179/$16 |
$519/$47 |
$399/$37 |
$609/$55 |
$299/$27 |
$299/$27 |
| Incident Coverage | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| **Any incident where force is used pursuant to a reasonable belief that use of deadly force is necessary to protect from imminent danger of death or great bodily harm. This includes any necessary force with ALL legal weapons and physical force to defend against a life-threatening attack in self-defense. |
Member: in 47 states Spouse and Children Under 18: In Home Only |
Member OFF DUTY ONLY in 47 states Spouse and children under 18: In Home Only |
Member and spouse in 47 states Children under 18: In Home Only |
Member OFF DUTY ONLY in 48 states Spouse and children under 18: In Home Only(If NY spouse must be LE/HR218-no coverage for children) |
Member and Spouse in home state and states allowing permitless carry Children under 18: in home only |
Member only in home state and states allowing permitless carry Spouse and children under 18: In Home Only |
Member, spouse and children under 18: In Home Only |
| Bond | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| Bond Coverage Included In Plan |
$1,000,000 |
$1,000,000 |
$1,500,000 Member and Spouse |
$1,000,000 |
$1,500,000 Member and Spouse |
$1,000,000 |
$1,000,000 |
| $1.5M Bond Upgrade Add-On - Annual/Monthly |
$50/$5 |
$50/$5 |
Included |
N/A |
Included |
$50/$5 |
$50/$5 |
| Bond Coverage In Home for Spouse and Children Under 18 |
$250,000 |
$250,000 |
$500,000 for children under 18 |
$250,000 |
$500,000 for Children under 18 |
$250,000 |
$250,000 |
| Cost and fee coverage | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| Criminal Defense Costs (upfront) |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
| Civil Defense Costs (upfront) |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
NO CAP |
| Civil Trial Costs Covered even if found Guilty in a Criminal trial |
Y |
Y |
Y |
Y |
Y |
Y |
Y |
| $1.5 Million Civil Liability |
N/A |
N/A |
Included Primary only |
N/A |
Included Primary only |
N/A |
N/A |
| $2 Million Civil Liability |
N/A |
N/A |
See Upgrade |
N/A |
See Upgrade |
N/A |
N/A |
| $1 Million Civil Liability - per member |
$220/$20 |
$220/$20 |
N/A |
Included Primary Only |
N/A |
$220/$20 |
$220/$20 |
| Red Flag law (upfront) |
Up to $5000 |
Up to $5000 |
Up to $10,000 |
Up to $5000 |
Up to $10,000 |
Up to $5000 |
Up to $5000 |
| Crime scene clean up |
Up to $3000 in home |
Up to $3000 in home |
Up to $4000 in home + car |
Up to $3000 in home |
Up to $4000 in home + car |
Up to $3000 in home |
Up to $3000 in home |
| Firearm replacement if applicable |
See terms |
See terms |
See terms |
See terms |
See terms |
See terms |
See terms |
| Lost wages during trial |
Up to $750.00 per day |
Up to $750.00 per day |
Up to $1000 per day |
Up to $750.00 per day |
Up to $1000 per day |
Up to $750.00 per day |
Up to $750.00 per day |
| Family | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| Spouse covered (with or without valid permit) |
Inside home only |
Inside home only |
Inside and Outside of home |
Inside home only NO Coverage in NY unless spouse is LE/HR218 |
Inside and Outside of home |
Inside home only |
Inside home only |
| Complete spouse coverage inside and outside the home (with or without valid permit) |
$100 Add-on |
$100 Add-on |
Included |
$100 Add-on NOT available in NY unless spouse is LE/HR218 |
Included |
$100 Add-on |
N/A |
| Children under 18 covered |
Inside home only |
Inside home only |
Inside home only |
Inside home only NO Coverage in NY |
Inside home only |
Inside home only |
Inside home only |
| Response and Follow-up | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| 24 hour Emergency Hotline | |||||||
| 24 Hour Emergency Response Team | |||||||
| National Trial Counsel (Coordinates legal team) | |||||||
| Vetting, hiring and Coordination of Legal team | |||||||
| Trained after incident Peer Support | |||||||
| Licensed Professional Counseling Sessions |
10 up to $1,500.00 |
10 up to $1,500.00 |
40 up to $6,000.00 |
10 up to $1,500.00 |
40 up to $6,000.00 |
10 up to $1,500.00 |
10 up to $1,500 |
| Special Benefits | Defender Plan | Protector Plan | Ultimate Plan | HR-218 Plan | Freedom Plan | Constitutional Carry Plan | Home Defense |
| Up to $15k of funeral expenses if death of member killed during a self-defense incident | |||||||
| TSA Violation - up to $10,000 for legal expenses related to an unintentional TSA screening violation (see terms) | |||||||
| Texas School Guardian Program | |||||||
| Louisiana Act 680: Veteran Permitless Carry | |||||||
| Volunteer Church Security Teams | |||||||