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Life & Accident Insurance ›

Life Insurance Protection at No Cost for NEA Members

Eligible NEA members receive NEA® Complimentary Life Insurance to help protect loved ones with no cost to you.

Name Your Beneficiary


Questions? Contact Us

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Complimentary Coverage That Gives You—and Your Family—Peace of Mind

Eligible NEA members receive a $1,000 life insurance benefit.

This benefit is activated as soon as you join the NEA and remains in place as long as you’re an eligible member.* Coverage is provided at no cost to you.

It’s simple and important, to name your beneficiaries.

Designating a beneficiary ensures that your complimentary benefit is paid directly to the individual you choose, without unnecessary delays.

Your coverage goes beyond basic protection.

In addition to the $1,000 life insurance benefit, eligible members are automatically covered by additional protections, including Accidental Death and Dismemberment (AD&D) benefits† and increased benefits for job-related incidents, all at no cost to you.

How to Name Your Complimentary Life Insurance Beneficiary

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Step 1

Click ‘Name Your Beneficiary’ to go to the registration form. You may be prompted to sign in to your NEA Member Benefits account first.

Step 2

Provide your NEA member information and designate your desired beneficiaries.

Step 3

Confirm and submit your beneficiaries and you’re done! We will send you a confirmation email and mail a Summary Plan Description to your home address.

Ready to get started?

Name Your Beneficiary

If you have any questions, please contact us.

Built for Educators, Backed by Experience
Your NEA Complimentary Life Insurance is administered by the NEA Member Insurance Trust (NEA MIT). For more than 50 years, NEA MIT has supported NEA members with high-quality coverage and meaningful financial protection.
380,000+
NEA members participating in one or multiple plans
$83M
annual claims paid
900,000+
NEA members provided beneficiary designations

Frequently Asked Questions

NEA Complimentary Life Insurance is life and AD&D insurance guaranteed to active, staff, reserve and life members at no cost to you.* Student members are not covered. Coverage is automatic; however, members are encouraged to register a beneficiary with NEA Member Benefits.

Registering your beneficiary will ensure that the benefit amount is paid to the family member or person you stipulate. Having a beneficiary also makes it easier to expedite payment in the event of a tragedy. If you do not select a beneficiary, at your death the benefit will be paid to the first surviving beneficiary listed in the following order: surviving spouse; surviving children; surviving parents; surviving siblings; your estate.

It’s easy. You can register by clicking "Name Your Beneficiary" on this page or call the Member Advocacy Center at 1-800-637-4636 Monday-Friday 8 a.m. – 6 p.m. ET.

The Prudential Insurance Company of America (Prudential) is the carrier. Our over 50-year relationship with the company is based on a rigorous process of evaluating the market to find the best products and services for NEA members. You can count on Prudential’s experience to offer the quality and service you deserve.

Members in good standing who are actively employed in the field of education receive $1,000 of term life insurance, up to $5,000 of accidental death and dismemberment (AD&D) coverage and up to $50,000 of AD&D insurance for any covered accident that occurs while on the job or serving as an Association leader.* Since the inception of the program, $27.5 million has been paid out to members.

Another important part of NEA Complimentary Life Insurance coverage is the homicide benefit. NEA Complimentary Life Insurance pays up to $150,000 when an unlawful homicide takes the life of a member while on the job.

No. This coverage is at no cost to you. NEA Complimentary Life Insurance, along with all NEA Member Benefits’ products and services, is self-supporting.

Depending on your circumstances, it may be advisable to supplement this coverage with other affordable life insurance products tailored to your individual needs.
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Explore More Life Insurance Solutions for Educators

NEA Group Term Life Insurance

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NEA Accidental Death and Dismemberment Insurance (AD&D)

AD&D insurance helps protect you and your loved ones in the event of a major accident. Coverage is guaranteed and no medical exams are needed.

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Life Insurance Learning Center

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Terms & Conditions

* Eligible membership types include Active, Reserve and Staff members, as well as Life and Retired members who are actively employed in education. NEA Retired members are eligible for the $50,000 Accidental Death & Dismemberment coverage only while acting on Association business in the capacity of an Association Leader.

† Life members must be actively employed in the field of education.

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

© 2026 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.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500

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