Frequently
asked questions

No. A 403(b) is a retirement plan offered through your district that you contribute to out of your paycheck. This is life insurance that you own. Different product, different purpose, different rules.

If you have had a bad experience with a 403(b) vendor, that is a fair thing to raise on the call.

It depends on the amount you want and the carrier. Some options are available on health questions alone — no blood draw, no urine sample, no nurse visit. Non-medical routes run up to $500,000 and to age 75 on some carriers.

Coverage you own is not tied to your employer. Group life offered through a district generally ends when your employment does — whether you change districts, move states, retire or take a year out.

That varies by district and by what you elected at enrollment. Many teachers have never been told the number. It is often one times salary, sometimes a flat $10,000 or $20,000.

Worth asking your benefits office either way, before you add anything.

Riders on certain policies that can pay out a portion of the death benefit early if a qualifying illness or injury occurs. The money goes to you while you are alive and you decide what it covers.

Which conditions qualify, how much can be accelerated and whether a rider is even offered are all set by the individual contract. Ask the agent to read you the rider definition before you apply, not after.

It depends on your age, your state, your health answers and the amount of coverage. There is no single number, and anyone who quotes you one before asking your age is guessing.

An agent can show you what a specific monthly amount actually buys before you decide anything.

In most cases yes. A spouse can often be covered alongside you, and juvenile coverage is available from two months old through age 18 depending on the carrier.

Yes. This is open to school employees generally — teachers, paraprofessionals, aides, counselors, librarians, administrators and district staff.

All 50 states are covered. An agent has to hold an appointment in the state where you live. The screening will surface your state in the first few questions.

No. The call is a conversation about options. No coverage exists until a carrier issues a policy and the first premium is paid.

No. This is an independent agency with no affiliation to any district, union or state retirement system, and nothing is reported to your employer.

It goes to a licensed agent so they can follow up on your request. Read the full detail in the privacy policy, including how to opt out of messages at any time.