About Penflex

Penflex Actuarial Services, LLC is a professional services firm that has been in business for over 30 years and specializes in actuarial, administrative, and consulting services for Length of Service Award Programs (LOSAP) for volunteer firefighters and emergency service organizations. Penflex proudly serves clients throughout the United States who volunteer their time and efforts in their communities.

Penflex employs in-house actuaries to explain LOSAP program funding and provide local municipalities, boards, fire districts and emergency service organizations with key information to aid in selecting the best program for their volunteers. Some highlights of extensive staff expertise extend into enrollment of participants, coordinating monthly payments, 1099 form processing, understanding and interpretation of varying LOSAP point system and vesting schedules, and answering questions ranging from the simple to the complex relating to defined benefit and defined contribution plans. Penflex understands the importance of having a well-rounded and experienced staff that is completely focused on providing exceptional service and acting as a trusted partner with our clients and their volunteers.

Over the years not only has Penflex given guidance and counsel to state legislatures in helping interpret LOSAP laws, but also has participated in writing legislation concerning LOSAP guidelines for lawmakers. This is a major distinction from our competition and Penflex is quite proud to be recognized for our level of expertise, knowledge, experience, and insight when it comes to understanding LOSAP laws and programs.

In 2020 Penflex was acquired by McNeil & Company, a national insurance company that specializes in the emergency services industry. McNeil’s partnership provides a greater level of resources in technology, compliance, and education to Penflex, something that our competition cannot match, and which truly helps benefit our clients.

The entire Penflex staff is committed to providing the highest quality of service, professionalism, and expertise. We welcome the opportunity to meet with prospective clients in hopes of allowing us the privilege to serve your volunteers and then becoming part of our extensive client family.

Contact Penflex today to find out how we can assist you with establishing a new LOSAP plan, reviewing an existing plan or even consolidating two different plans into one new LOSAP plan.

Phone: 1-800-742-1409
Email: info@penflexinc.com

  • 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