Life Insurance

Comprehensive insurance – just for the education community. Our insurance policies are a simple way to protect the financial future of your loved ones. At Teachers Life, it’s simple to get the coverage that’s right for you.
Individual Insurance Products
Online Individual Term Insurance
Simple, easy and private way to insure your family. Those with fixed-term insurance needs, such as parents of growing families, will benefit from our online, self-serve and highly customizable life insurance product.
Plan Details
Online Individual Term Insurance
Initial Eligibility Ages 18-60
Coverage $25,000-$500,000 depending on age: Maximum coverage available: Ages 18-50: $500,000 Ages 51-55: $300,000 Ages 56-60: $100,000
Duration Customize coverage from 10-40 years
Premiums Paid for the duration of the product
Renewable/Convertible No
Underwriting Online, no medical tests
Payments Online, monthly
Renewable Term Insurance
Flexible, easy and trusted way to include life insurance in your estate planning. If you have longer-term financial needs or a more involved health history you can benefit from life insurance with more options and features to grow with your family over time.
Plan Details
Renewable Term Life Insurance
Initial Eligibility Ages 19-65 (60 for Term 25)
Coverage $50,000-$500,000
Duration 10, 20, 25 years
Premiums Paid for the duration of the product
Renewable/Convertible Yes – guaranteed
Underwriting Traditional: paper application and medical exam
Payments Online; monthly or annually
Child Rider
Initial Eligibility Ages 30 days-15 years
Coverage $5,000 or $10,000
Duration To age 19, then convertible at 5 times the coverage to a designated Teachers Life product
PermaTerm 100
Protect your family’s future and ensure your legacy for them. Teachers Life’s PermaTerm 100 will make sure your loved ones benefit from your hard work and planning, paying it forward for the next generation. Whether you buy insurance for your growing family or while in retirement, PermaTerm 100 is an important part of your estate planning toolkit.
Plan Details
PermaTerm 100
Initial Eligibility Ages 20-70
Coverage $10,000- 500,000
Duration Lifetime or age 100 (proceeds paid if still living)
Premiums Paid for the duration of the product
Underwriting Traditional: paper application and medical exam
Payments Online; monthly or annually
Child Rider
Initial Eligibility Ages 30 days-15 years
Coverage $5,000 or $10,000
Duration To age 19, then convertible at 5 times the coverage to a designated Teachers Life product
Critical Illness Insurance
Helps take the financial worry out of a serious diagnosis. When bad health news happens you may wonder “what’s next?” But with Critical Illness Insurance, your financial stability will be one thing you don’t have to worry about.
Plan Details
Critical Illness Insurance
Initial Eligibility Ages 21-65
Coverage $25,000-$250,000
Duration To age 75
Premiums Paid for the duration of the product
Survival Period 30 days
Underwriting Traditional: pre-screen, paper application and medical exam
Payments Monthly or annually
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