Get Reliable NEA Group Term Life Insurance Coverage

NEA Group Term Life Insurance is a vital component of any comprehensive financial plan. You can rely on it to provide financial security for your loved ones in the event of your passing.

The coverage is usually provided through your employer, and the premiums are often paid through payroll deductions. This makes it easy to manage your finances.

NEA Group Term Life Insurance offers a guaranteed death benefit, which is the amount paid to your beneficiary upon your death. This benefit can be used to cover funeral expenses, outstanding debts, and ongoing living expenses.

NEA Group Term Life Insurance provides a financial safety net for your loved ones in the event of your passing.

View rate charts for NEA Group Term Life Insurance to see how much coverage you can get for your needs.

It's a type of life insurance that offers a death benefit to your beneficiaries.

You can view rate charts for NEA Group Term Life Insurance to see the different coverage options available.

This type of insurance is often more affordable than other types of life insurance.

With NEA Group Term Life Insurance, you can choose benefit amounts between $25,000 to $500,000, and you'll keep full benefits until age 70.

You can choose from 10, 15, or 20-year terms, and premiums won't increase due to your age. The amount of coverage depends on the term selected.

Here are some key benefits and features of NEA Group Term Life Insurance:

You can lock in rates for the entire term with the NEA Level Premium Group Term Life Insurance Plan, which offers coverage amounts up to $1,000,000.

The plan allows you to lock in a fixed benefit amount (up to $1,000,000) for a fixed time period (10, 15 or 20 years) at a fixed premium for the entire term of coverage.

Rates won't increase due to your age, and benefits won't decrease for the entire term, giving you peace of mind.

You can choose from 10-year, 15-year, and 20-year terms, with full coverage available up to age 80.

Discounts are available for non-smokers, and competitive smoker rates are also offered.

Here are the available term options and age restrictions:

Spouse or domestic partner coverage is available, and the term elected for them must match the term elected for the member.

You can increase or decrease your coverage at any time, giving you the flexibility to adjust your policy to suit your changing needs.

With NEA Group Term Life Insurance, your premiums can be waived for up to one year if you lose your job or are affected by a natural disaster. This can provide a much-needed financial cushion during a difficult time.

You can also choose to waive your premiums if you become disabled, giving you more time to focus on your recovery without worrying about paying insurance premiums.

NEA Level Premium Group Term Life Insurance offers a fixed rate for the entire term of coverage, giving you peace of mind knowing that your premiums won't increase due to your age.

You can choose from various term lengths, including 10, 15, and 20 years, allowing you to select the coverage period that best suits your needs.

The following coverage options are available:

Keep in mind that the 20-year term is only available to members under the age of 61, the 15-year term is available to members under the age of 66, and the 10-year term is available to members under the age of 71.

To apply for NEA Group Term Life Insurance, start by calculating the right coverage for you and your family. Use the provided calculator to determine how much life insurance you need.

You can find the calculator in the relevant section of the application process. Once you have your coverage amount, you can use the rate charts to estimate the policy cost based on your age.

Make sure you're signed in to your NEA Member Benefits account and click "Get a Quote or Apply" to start the online application. Depending on the coverage amount, you may need to answer health questions for underwriting.

After you're approved, the insurance verification kit will be sent to you, and hard copies of certificates of coverage will be mailed for your records.

If you're looking for additional coverage options, you might want to consider the NEA Accidental Death & Dismemberment Plan. This plan offers guaranteed insurance protection, 24 hours a day, 365 days a year.

The plan is easy to enroll in, with no medical exam required and no medical questions to answer. This makes it a great option for those who want extra peace of mind without the hassle of a medical exam.

The benefits provided by the plan are quite comprehensive, covering accidental death, dismemberment, coma, paralysis, loss of sight, and other covered losses in an accident. The coverage amount you select will determine the coverage levels for each person in your family.

Here are some key benefits of the NEA AD&D Plan:

• From $30,000 to $120,000, if the covered individual dies in an accident or loses a limb or suffers a coma, paralysis, loss of sight or other covered losses in an accident.

• From $130,000 to $520,000, if the accidental death occurs on a plane, train, ship or other public conveyance.

• If a loss of life occurs in a car accident and the covered individual is wearing a seat belt (in the prescribed manner), or is sitting in a car seat equipped with an airbag and wearing a seat belt, the plan pays an additional benefit of 10% of the coverage amount, up to $10,000.

The premiums for this plan are very economical, starting at $19 a year for $30,000 of coverage. The premiums rise to $24 a year at age 60 and increase to $48 a year at age 80 and over.

NEA offers a range of programs to complement their group term life insurance, including NEA Members Auto & Home Insurance Program, which provides exclusive rates and excellent service for NSEA and NEA members.

The NEA Dues Tab Insurance offers valuable, automatic, and free insurance protection for eligible members, providing group term life and accidental death/dismemberment coverage.

NEA's Three-Way Home Protection helps protect mortgage payments against loss of life, loss of income due to total disability, and loss of income due to involuntary unemployment.

Here are some key conditions to keep in mind:

NEA Insurance Programs offer a range of benefits to members, including auto and home insurance, life insurance, and disability insurance.

The NEA Members Auto & Home Insurance Program provides exclusive rates and excellent service to NSEA and NEA members.

NEA Dues Tab Insurance provides group term life and accidental death/dismemberment coverage to eligible members, and it's free.

Guaranteed Issue Life Insurance is available exclusively to NEA-Retired members age 55 and over, with coverage guaranteed regardless of pre-existing conditions.

Three-Way Home Protection helps protect mortgage payments against loss of life, loss of income due to total disability, and loss of income due to involuntary unemployment.

AD&D Insurance provides 24-hour, worldwide accidental death and dismemberment protection to the entire family for just $19 annually.

MemberCare Supplemental Health offers a portfolio of health plans that supplement existing insurance protection, with extra discount programs for drugs, dental, hearing, and vision care.

Income Protection is available to help protect the ability to work and earn an income, underwritten by American Fidelity Assurance.

NEA MemberCare In-Hospital Plan provides cash benefits directly to members while in the hospital, with up to $120 per day in benefits.

Here are the different types of life insurance plans available through NEA:

These programs can provide valuable protection and peace of mind for NEA members and their families.

When it comes to understanding the terms and conditions of the program, it's essential to know that NEA is not an insurance company or program. Accident Benefit Payments are made by the insurance company issuing the blanket coverage to members.

The program provides savings to its members on services through various sources, but the list of benefits may be modified at any time. A quarterly newsletter will keep members informed about changes and other important information.

Payments for the program are due in advance and will be drafted on or about 15 days before the due date. If you choose to cancel your program, it's crucial to send a written request for cancellation to NEA at least 15 days prior to the anniversary of your effective date.

NEA reserves the right to terminate any enrollment or deny eligibility in the program for lack of payment. Returned checks, insufficient notices on bank drafts, or denial by the member's credit card company for payment of the membership fee are considered evidence of non-payment.

Here are some key facts about program termination and reinstatement:

In the event of a dispute, members agree to resolve it solely by binding arbitration governed by the laws of Arizona and enforceable at Scottsdale, Maricopa County.

Membership canceled within the first 30 days of the enrollment date may be eligible for a refund, but the administrative fee is not refundable. Approved refunds will be processed approximately 30 days after cancellation.

Membership is effective on the 1st of the month following enrollment acceptance by NEA.

You can get coverage up to $1,000,000 issued by The Prudential Insurance Company of America (Prudential). This coverage will help your family afford college tuition, mortgage payments, and other large financial obligations.

Your rates won't increase as you age and your benefits won't decrease*. This means you can lock in your lowest rate now and your benefits won't change for your entire term.

The younger you are when applying for this premium group term life insurance, the lower the rate—and it stays locked in for the entire term you've chosen. This is a great incentive to apply early and take advantage of lower rates.

Here are some key benefits of locking in your rate:

As a new eligible NEA Member, you're automatically provided with $15,000 in Term Life Insurance benefits issued by The Prudential Insurance Company of America. This coverage is a special value-added benefit, compliments of the NEA Members Insurance Trust.

You won't pay a dime for this coverage for a full year, which is a huge perk. It's a great way to get started with life insurance without any upfront costs.

Following the complimentary one-year period, members can continue their coverage at lower member-only rates.