Life and AD&D Insurance

Affordable coverage for you and your family

8 Life & Accidental Death and Dismemberment (AD&D) Insurance Programs issued by The Prudential Insurance Company of America

NEA® Group Term Life Insurance Plan

Get historically lowest, group-discounted rates: NEA members, spouses, domestic partners and dependent children are all eligible.

  • Flexible coverage levels from $25,000 to $500,000
  • Full benefits until age 70 and no medical exam to apply (in most cases)
  • Your coverage remains the same, even if your health changes
  • No premiums for up to 12 months if you lose your job

NEA® Level Premium Group Term Life Insurance Plan

Get some peace of mind knowing this coverage will help your family manage large financial obligations if anything happens to you.

  • Get coverage up to $1,000,000
  • Lock in member-only rates in for the entire 10-year, 15-year or 20-year term
  • Enjoy full coverage and level rates up to age 80
  • Created by educators, for educators, with discounted rates for eligible NEA members

NEA® Complimentary Life Insurance

Get the trusted insurance protection you want for your family, at no cost to you.

  • $1,000 of term life insurance
  • Up to $5,000 of accidental death and dismemberment (AD&D) coverage
  • $150,000 of coverage if you’re an unlawful homicide victim while at work

NEA® Guaranteed Issue Life Insurance Plan

Enroll to help protect your family from future financial hardship. If you are a member 45 or older, you are guaranteed coverage.

  • Member-only rates for you and your spouse
  • Income tax-free benefit for your loved ones
  • Coverage without medical exams or health questions
  • Fast and easy activation
  • A money-back guarantee

NEA® Accidental Death & Dismemberment Insurance Plan

Accidental Death & Dismemberment insurance covers you and your loved ones in the event of a major accident.

  • Affordable rates start at $19 per year
  • No medical exams—coverage is guaranteed
  • Get up to $120,000 in coverage at home or away and up to $520,000 for any covered accident on a plane, train, ship
  • Choose optional spouse/domestic partner or dependent child coverage

NEA® Introductory Life Insurance

Get the trusted insurance protection you want for your family, at no cost to you, for the first 12 months of your NEA membership.

  • As an eligible new NEA member, you’re automatically covered by $15,000 of term life insurance
  • Continue your coverage after the one-year period at lower member-only rates
  • No medical exams needed

NEA® Accidental Death & Dismemberment Insurance Plus

Get even more coverage than our regular Accidental Death & Dismemberment Insurance Plan for $4 more per year.

  • Get reimbursed for dependent tuition, daycare costs and educational costs for a spouse or partner.
  • Receive additional benefits if you’re harmed due to a faulty seatbelt/airbag or during a felony assault.
  • You’re covered for loss due to exposure, disappearance or coma.

NEA® Accidental Death & Dismemberment Advantage Insurance

Get the same insurance protection as our Accidental Death & Dismemberment Plus plan, plus additional benefits and coverage up to one million dollars.

  • Up to 12 months of mortgage payments are covered
  • Get reimbursed for bereavement and trauma counseling
  • Get reimbursed for monthly rehabilitation expenses
  • You’re entitled to additional benefits in the event of critical burns

The products issued by The Prudential Insurance Company of America may not be available in all states.

AD&D policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major insurance as defined by The New York Department of Financial Services.


NEA Life Insurance coverage and NEA Accidental Death and Dismemberment are issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If their is a discrepancy between the document and the Booklet-Certificate the terms of the Group Contract will govern. CA COA #1179 NAIC #68241 Contract Series 83500 and 31300.