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NEA® Level Premium Group Term Life Insurance Plan

Get up to $1 million of trusted premium group term life insurance with rates that won’t change for the entire term

Get a Quote or Apply

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Lock in your rate and help give your family a financial safety net

With NEA® Level Premium Group Term Life Insurance, know that major financial obligations won’t be an added burden during a difficult time. Get some peace of mind knowing this coverage will help your family afford college tuition, mortgage payments and other large financial obligations no matter what happens to you.

  • Get coverage up to $1,000,000, issued by The Prudential Insurance Company of America (Prudential)
  • Keep full coverage up to age 80. Your rates won’t increase as you age and your benefits won’t decrease*
  • Lock in member-only rates and benefits exclusive to teachers and educators for the entire 10-year, 15-year or 20-year coverage term
  • Take advantage of spouse/domestic partner coverage§
  • Benefit from simplified underwriting for younger educators and lower coverage amounts
  • Choose an Accelerated Benefit Option for cash advances on your policy in the event of being diagnosed with a terminal illness, which can help pay for care and provide support for your family#

How does NEA Level Premium Group Term Life work?

Get up to $1 million of trusted life insurance at a fixed rate. Lock in your lowest rate now, and your benefits won’t change for your entire term.

how it helps

Peace of mind for you—support for your family

Lock in your lowest rate now, and your benefits won’t change

The younger you are when applying for this premium group term life insurance, the lower the rate—and it stays locked in for the entire term you’ve chosen.

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 dependable coverage

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 Level Premium Group Term Life Insurance 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. Everything from planning for the future and understanding your current needs, to preparing for unforeseen life events, is taken into account when estimating how much coverage you may need.

NEA Level Premium Group Term Life

How It Works

How to apply for NEA Level Premium Group Term Life Insurance

Start your application

  1. Make sure you’re logged into your NEA Member Benefits account.
  2. Click “Get a Quote or Apply” to start the online application. Depending on coverage amounts, you may need to answer health questions for underwriting.
  3. If you prefer to have a paper application mailed to you, call 1-855-NEA-LIFE.
  4. Once approved, we will send you your insurance verification kit to you.
  5. Hard copies of certificates of coverage will be mailed to you for your records.

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

More ways to help protect 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

* Rates may change if plan experience requires a change for all insureds.

† Member/Spouse who elects 20-year term must be under age 61. Member/Spouse who elects a 15-year term must be under age 66. Member/Spouse who elects a 10-year term must be under age 71.

‡ Rates are locked in. However, the amount of coverage depends on term selected. Please see the Instant Rate Quote for rates and term options.

§ Spouse or Domestic Partner coverage may exceed Member coverage amount. Term elected for spouse or domestic partner must match member elected term.

# 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.

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

NEA Level Premium Group Term Life Insurance coverage 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.

© 2022 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.