NEA® Group Term Life Insurance Plan
Get added peace of mind and help keep your loved ones secure. Choose from $25,000 to $500,000 of term life insurance at NEA’s lowest member rates.
NEA® Complimentary Life Insurance
Eligible NEA members can get trusted, complimentary life insurance for teachers at no cost
Name Your Beneficiary
overview
Help protect your family—at no cost to you
Take advantage of complimentary life insurance for teachers offered to eligible NEA members and issued by The Prudential Insurance Company of America (Prudential). This is an exclusive program for NEA members that is fully paid for by the NEA Members Insurance Trust.
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Select your desired beneficiaries and change them at any time - Your coverage increases for eligible claims while on the job or conducting Association business
- This coverage offers life and accidental death & dismemberment insurance to Active, Reserve and Staff members, as well as to Life and Retired members who are actively employed in education*
- Many NEA members rely on NEA® Complimentary Life Insurance for teachers to supplement school district’s coverage
It’s easy to name your beneficiaries
Watch this short video to see how to add or update your beneficiaries. It only takes 1 to 2 minutes to help ensure that your $1,000 Term Life benefit will be distributed to your chosen recipients in their time of need.
how it helps
NEA Complimentary Life Insurance gives you the automatic coverage your family deserves
No one likes to think of the need for life insurance, but it’s important to provide for your loved ones in case the unthinkable happens to you. That’s why this complimentary coverage for teachers is so important to you and your family. It helps provide insurance protection to your family to help cover large financial obligations such as mortgages and college costs, as well as final expenses.
You’ll receive four levels of coverage
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$1,000 of life insurance
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Up to $5,000 of Accidental Death and Dismemberment (AD&D) coverage; $1,000 per year benefit up to maximum
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$50,000 AD&D benefit for any covered accident that occurs on the job or while serving as an Association Leader†
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$150,000 Life Insurance benefit for unlawful homicide while on the job
How It Works
Take advantage of your complimentary life insurance for teachers and educators
Register today
- Make sure you’re logged into your NEA Member Benefits account. Register for or update your Complimentary Life Insurance by clicking on the “Name Your Beneficiary” button.
- Once you register, you will receive hard copies of all official information for your records. Claims can be processed by calling the Member Advocacy Center at 855-NEA-LIFE.
Learn more about life insurance
- How much coverage do you need? Use this calculator to get started
- Review a full description of this plan (.pdf, 153K)
- Compare all our member-only plans (.pdf, 156K)
- Read our glossary of insurance terms and lingo
- Learn about the NEA Members Insurance Trust
Eligible NEA members are protected with life insurance coverage provided through the generous support of NEA Members Insurance Trust.
Learn more about NEA Members Insurance Trust.
Prudential, who has supported the NEA Life Insurance programs since 1969, provides administrative support for the NEA Complimentary Life Insurance Plan.
Learn more about how Prudential supports public education.
FAQs
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.
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.
Terms & Conditions
NEA Accidental Death & Dismemberment 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.
IMPORTANT NOTICE: THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
* 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.
© 2025 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
Not for residents of New Mexico
Not for use in New Mexico
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