Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 26, 2021

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The Brief

  • Teachers should consider purchasing life insurance to provide support to their loved ones
  • Teachers can choose from term, whole life, and final expense coverage
  • Some companies, such as the National Education Association, may provide teachers with life insurance coverage at low rates

Life insurance for teachers is important, but some teachers may find it daunting to search for coverage, especially if they are searching for life insurance for a low-income family. But they may be surprised to find that teacher life insurance quotes can be extremely affordable.

If you are curious whether life insurance for teachers is a smart investment, you can rest assured that purchasing life insurance plans for teachers is a wise move.

If you are searching for affordable teacher life insurance, enter your ZIP code into our free tool above to get started.

Why do teachers need life insurance?

Life insurance is a smart choice for virtually everyone. Teachers have an incredible amount of responsibility—both in their schools and in their personal lives—and life insurance guarantees their loved ones will be taken care of should anything happen.

Because family members will be responsible for your debt when you pass away, life insurance will allow you to trust that you will not be leaving your loved ones with financial burdens.

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What type of life insurance is best for teachers?

There are three main types of life insurance that teachers can choose from.

Types of Life Insurance Coverage
Term Life Insurance FeaturesUniversal Life Insurance FeaturesFinal Expense Insurance Features
Insurance that provides coverage for a set period of time. Usually 10, 20 or 30 years.Also known as whole life or permanent insurance, this is for older established family members looking to secure the benefits of their estate for their loved ones.Final expense insurance covers expenses that arise the time of death. Final expense insurance is usually intended to cover burial expense and other expenses that arise when a loved one passes.
Coverage is ideal for individuals who need to protect their loved ones and cover any debt obligations like student loans, mortgate debt or other commitments.This insurance typically has a cash value component that can help build wealth.This is an affordable insurance option to alleviate the burden of funeral costs on loved ones.
Insurance for insurance purposes only. Term insurance will not provide an investment return.This insurance does not expire as long as you meet premium obligations.
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As you can see from the table above, term life insurance is best for younger people as it is a temporary plan that covers you for a period of time—usually somewhere between 10-30 years.

Whole life insurance is a type of policy that lasts for the duration of your life. In addition, many whole life plans include the option for investment returns.

If you are curious how much whole life insurance costs, you will need to search for teacher life insurance quotes online.

Lastly, final expense insurance is designated solely for the purpose of paying for expenses associated with your death.

The best life insurance for teachers depends on that individual’s age, responsibilities, financial standing, and other factors.

What are teacher life insurance rates?

Teacher life insurance rates vary based on many factors. A person’s age, gender, health, and other factors impact life insurance quotes that teachers will receive.

While there is no particular teacher life insurance company that only offers life insurance, there are some groups that specialize in offering products and services specifically to educators.

One such company is the National Education Association (NEA), which offers many benefits to teachers, including life and accidental death coverage.

The NEA, for example, offers one category of life insurance they call accidental death and dismemberment insurance. According to the NEA, qualified educators can receive this type of coverage for as little as $19 per year.

How do I get teacher life insurance?

Life insurance for teachers is fairly easy to find. If you want to buy teacher life insurance, the best place to start is by searching for a life insurance quote online.

You will need to provide additional information about yourself to receive an accurate quote. Once you do, you will likely find you have multiple coverage options and offers to choose from.

Teachers make countless sacrifices in their jobs, but they should never have to sacrifice their peace of mind. Finding affordable life insurance for teachers is one way you can know your loved ones are covered in the future.

If you are searching for life insurance for teachers, Enter your ZIP code to find teacher life insurance quotes that fit your budget.