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Life

NEA® Group Term Life Insurance Plan

Safeguard your family with affordable life insurance coverage up to $500,000

Sign In to Check Eligibility

overview

Coverage to help educators like you give your family added security

Flexible life insurance coverage through the NEA Members Insurance Trust helps provide insurance protection for your loved ones should the unthinkable happen to you. Your spouse and dependents will receive support for financial obligations such as a mortgage, college costs or anything else they’ll need.

  • Get the lowest, group rates to date. Members, spouses, domestic partners1 and dependent children are all eligible for these exclusive NEA rates
  • Keep full benefits until age 702 and there’s no medical exam to apply (in most cases)3
  • Choose benefit amounts between $25,000 to $500,0004
  • If you become terminally ill, accelerated benefits can help your family with expenses: 50% of your benefit can be paid while you’re alive5
  • Once you’re approved, your coverage amount remains the same—even if your health changes. You can’t be dropped for health reasons
  • An optional accidental death rider doubles benefits for your loved ones. Discounts for non-smokers and competitive smoker rates are also available

how it helps

Get peace of mind knowing your family is secure

Afford more coverage for lower rates

NEA’s exclusive negotiated rates are typically lower thanks to the combined power of our 3 million members.

Get flexible, dependable coverage

Increase or decrease your coverage at any time. You decide how long to keep coverage and the amount of your coverage.6 For added peace of mind, your premiums can be waived for up to one year if you lose your job or are affected by a natural disaster. Your premiums can also be waived if you become disabled. You just need to remain an NEA member.

To ensure the security of NEA policies, we work with one of the largest insurance companies that has been issuing life insurance policies for over 140 years: NEA Group Term Life Insurance coverage is issued by The Prudential Insurance Company of America (Prudential).

Learn about life insurance with helpful resources

Understand what it takes to help keep your family secure. Use our online calculators, videos, infographics and financial guides to determine exactly what you need—not too much, and not too little.

INSTANT RATE QUOTE
NEA Group Term Life Insurance

New Lower Rates

How It Works

How to apply for NEA Group Term Life Insurance

Calculate the right coverage for you and your family

  1. How much life insurance do you need? Use this calculator to get started.
  2. Use these rate charts to determine how much a policy may cost based on your age and the coverage amount.

Start your application

  1. Make sure you’re signed in to your NEA Member Benefits account and click “Get a Quote or Apply” to start the online application. Depending on coverage amounts, you may need to answer health questions for underwriting.
  2. Once approved, we will send your insurance verification kit to you.
  3. Hard copies of certificates of coverage will be mailed to you for your records.
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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 U.S.


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 

FAQs

Your questions, answered

Affordable coverage for you and your family

Terms & Conditions

1. Includes domestic partner or registered domestic partner. Spouse cannot enroll for coverage unless member also enrolls.

2. At age 70, your benefit reduces to half the original amount. At age 75, it reduces to 10% of that amount.

3. Issuance of coverage may depend on answers to health questions in the enrollment form and availability of current health information.

4. A medical exam is required for coverage amounts of $400,000 and $500,000.

5. Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.

6. Subject to underwriting approval and cannot exceed $500,000.

© 2018 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 Group Term Life 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.

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