Service Awards for Fire & EMS Volunteers

For more than 30 years, Penflex and McNeil & Co. have been providing specialized services to fire and EMS organizations.

Now, backed by our combined expertise and commitment our current and prospective clients have a broad range of services they may select from to better position their organization for the future.

Penflex Actuarial Services, LLC provides comprehensive administrative, actuarial and consulting for Length of Service Award Programs (LOSAP) for volunteer firefighting and emergency service organizations.

Current Penflex client?

Contact our client service team for support.

Trust Our Experts
to Serve Your Volunteers

Our Commitment to LOSAP

Penflex leadership helped craft the first ever laws to establish LOSAPs in New York State, a major distinction from our competition. Our LOSAP reputation continues to grow as Penflex now services LOSAP plans in other states as well.

Unlike competitors that partner with outside actuaries to handle the technical side of LOSAP, Penflex has in-house actuaries that create reports, review and answer your questions. This creates a beneficial relationship for our clients who receive insightful expertise and knowledge while at a personal service level.

With Penflex, you can expect:

  • Proven LOSAP and fire/EMS service expertise

  • Transparency about program costs-with access to an actuary that can talk you through key decisions

  • A plan to fit your organization, from program design and local voter approval, to daily plan administration

  • On-site or virtual meetings with boards and volunteers

Whether you’re an organization looking for new incentives to support your volunteers-or already have a LOSAP you’d like for us to review-we’re fully ready to support your needs!

Send us a Message

  • E-Learning


    E-Learning Copy

    Our E-Learning platform is available 24/7 to meet the needs of the student. These online courses are offered free of charge to our insureds. Additional classes are being developed on a regular basis, so check back often to see new opportunities.
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  • Our Programs


    Our Programs

    We offer some of the most comprehensive insurance coverages in the industry. Let us propose a customized insurance package for your organization.
  • Questions?



    Have questions about your policy, want more info on our programs or need to be put in touch with a local agent? Contact us today and we'll be glad to assist you!
  • Contact Us


    Contact Us


    67 Main St
    Cortland, NY13045