There are plenty of places to buy life insurance. Almost none of them are built around how school employment actually works.
If you have taught for more than a few years, somebody has already found you. A vendor at the fall in-service. A table in the teachers’ lounge. A 403(b) rep who knew your principal. Most of it is sold to educators rather than built for them, and the fee disclosures are usually the part nobody walks you through.
This is the opposite approach. One niche, one kind of client, and a screening that tells you where you stand before anyone asks for your phone number. We are an independent agency, which means the recommendation is not tied to whichever carrier is running a contest that quarter.
Multiple A-rated carriers. The one that fits your age, your state and your health answers is the one you hear about.
Not your union, not your state retirement system, and not endorsed by either. Nobody at work sees that you looked.
The screening asks about your situation before it asks how to reach you. If you stop halfway, nothing has been submitted.
Four things you can hold us to, in the order they happen.
Ten questions about your situation. Nothing is submitted until the last step, and stopping halfway sends us nothing at all.
The person who rings you is licensed in your state and stays your point of contact. Your number is not resold to anyone.
Ask for the illustration showing premiums, charges and guaranteed values. If anyone will not put that in front of you, walk away.
No coverage exists until a carrier issues a policy and the first premium is paid. Hanging up without applying is a normal outcome.
If you work in a school, you are the client this was built for. The screening tells you where you stand before anyone asks how to reach you.
See What Teachers Qualify For →