Life & Accidental Death Insurance

NEA® Accidental Death & Dismemberment Insurance Plan

Help protect your family in the event of a major accident at home or away

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In partnership with


Help protect your family anytime, anywhere

Accidents are the fourth leading cause of death in the U.S., happening once every four minutes.* Having Accidental Death & Dismemberment Insurance, issued by The Prudential Insurance Company of America (Prudential), helps financially protect you and your family in the event of a major accident. Gain peace of mind knowing you’ll have help with college tuition, mortgage payments and other major financial obligations.

  • Rates start at $19 per year
  • Choose optional spouse/domestic partner or dependent child coverage
  • Get up to $120,000 in coverage at home or away and up to $520,000 for any covered accident on a plane, train or ship, or other public conveyance
  • A premium waiver is available to members affected by natural disasters or laid off due to a reduction in force
  • Guaranteed acceptance—no medical exams
  • Apply with confidence knowing your policy is issued by The Prudential Insurance Company of America (Prudential)

how it helps

A financial safety net for you and your family

Affordable Rates

Competitive rates start at $19 per year up to age 60, $24 per year for ages 60-79, and $48 per year for ages 80 and up. View this rate chart to learn more. Rates are lower because they are created specifically for NEA members and only available to the NEA membership.

Easy to Enroll

Coverage is guaranteed for every NEA member, their spouses and dependent children. There’s no need for a medical exam, and there’s no age limit for enrollment.

Flexible Options

Get coverage in $30,000 increments. You’re eligible for lifetime coverage as long as you remain an NEA member.

Generous Benefits

Plans pay up to $120,000 for covered accidents and $520,000 for accidents that occur on planes, trains, ships or any other type of public conveyance.

How It Works

Sign up now, no medical exam required

  • Make sure you’re signed in to your NEA Member Benefits account and click “Get Coverage Now” to get a free, personalized quote.
  • If you would prefer to apply by phone or, to request a paper application, please call 1-855-632-5433. Qualified representatives are available to answer questions about rates, coverage and benefits.
  • No medical exam is necessary and coverage is guaranteed, so you can make your first payment at the time of application or wait until you receive a premium notification from the plan administrator.

The Prudential Insurance Company of America helps educators protect their families.

We’ve partnered with Prudential because they are one of the largest life insurance companies in the United States.


Prudential has been a trusted insurance carrier in issuing the NEA Members Insurance Trust life insurance programs since 1969.


Learn more about how we select our administrative partners


Your questions, answered

Affordable coverage for you and your family


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Update Your Complimentary Life Insurance Information

As an NEA member, you’re eligible for this special coverage at no cost to you. Make sure your information is up to date.


Terms & Conditions

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

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


© 2020 Prudential Financial, Inc. and its related entities.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

The NEA Accidental Death & Dismemberment Insurance Plan is 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. Contract Series: 83500. CA COA #1179, NAIC #68241.