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NEA® Guaranteed Issue Life Insurance Plan

One of the best life insurance plans for teachers. Help prevent financial hardship with this guaranteed coverage for members over age 45.

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Guaranteed insurance protection for you and your family

Help protect your family from financial hardship. This Guaranteed Issue Life Insurance plan is a fast and easy way to help your loved ones pay for funeral costs, medical bills or legal help if the unthinkable happens to you.

  • Acceptance is guaranteed if you are age 45 or older. There are no health questions
  • Benefits are income tax-free for your loved ones
  • Choose one of two plans: Up to $10,000 or $20,000 worth of decreasing term life insurance, regardless of your health, depending on your age
  • Your benefits start at $500 the first year, and increase to 25% of your plan amount the second year, 50% the third year and 100% of your benefit after that
  • Competitive rates increase in in five-year age bands until age 70
  • Premiums can be waived for up to one year if you’ve been laid off or affected by a natural disaster
  • Get member-only rates for you and your spouse*

How does NEA Guaranteed Issue Life work?

Guaranteed coverage for members over age 45. Enroll to help protect your family from future financial hardship.

how it helps

One of the best life insurance plans for teachers to provide financial support for your family during a difficult time

Afford more coverage for lower rates

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

Get dependable coverage

If you’re over age 45, you’re guaranteed acceptance to this plan. 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 Guaranteed Issue Life Insurance is issued by The Prudential Insurance Company of America (Prudential).

Learn about why life insurance is important, especially for teachers

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.

How It Works

Prepare for the future with an NEA Guaranteed Issue Life Insurance Plan

Calculate the right coverage for you and your family

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 logged into your NEA Member Benefits account. Click “Get a Quote or Apply” to start the online application.
  2. If you prefer to have a paper application mailed to you, call the phone number above.
  3. Once approved, we will send you your insurance verification kit.
  4. 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 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


Your questions, answered

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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

* Includes domestic partner or registered domestic partner. Spouse cannot enroll for coverage unless the member enrolls.

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

The NEA Members Insurance Trust logo is a registered mark of the NEA Members Insurance Trust. NEA is a registered service mark of NEA’s Member Benefits Corporation.

© 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.

NEA Guaranteed Issue Life coverage is issued by The Prudential Insurance Company of America, Newark, NJ. Please refer to the Booklet-Certificate, which is made a part of the Group Contract, for all plan details, including any exclusions, limitations and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract, the terms of the Group Contract will govern. Contract provisions may vary by state. Contract series: 31300. CA COA #1179, NAIC #68241.