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Salary — typical district benefit
Most school group life pays roughly one year of salary — and it disappears the day you change districts or retire. Your family needs more than that.
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Teachers spend their careers taking care of everyone else's kids. Individual life insurance makes sure your own are taken care of no matter what — and it stays with you across districts, schools, and into retirement.
And it's often for less than people expect — most educators are surprised how affordable a solid term policy really is.
You'd never send a kid out into the world unprepared. Don't leave your own family that way.
A typical district group benefit is around one year's salary — nowhere near a mortgage plus years of replaced income — and it usually ends when you switch districts or retire.
No. Your pension protects your retirement; it doesn't replace your income for your family if you're gone early.
No medical exam is required for most plans, and most educators are surprised how affordable a solid term policy really is.
Every plan is different — verify your specific coverage with your district or benefits office before assuming a gap exists.
Tell us your role and state — we'll show you what real coverage looks like.