Teachers: Is Your Income Protection
Still Protecting YOU?
Download Your Free Guide: The Teacher’s Playbook for Income Security.
- Uncover the gaps most AFA, The Standard, union, or district plans don’t cover.
- Keep your coverage if you retire, switch districts, or step out of the classroom.
- Learn how to get your money back if you never use your plan.
- Get clear, practical steps to build a protection plan that truly fits your life.
Policies are underwritten by AM Best A-rated carriers
When Life Changes, Will Your Coverage Keep Up?
Your income protection needs evolve as your life does. But often, existing plans fall short because they’re not designed for your changing career:
- Tied directly to your job — not to you. Most vendor plans end when you leave or change roles.
- Vulnerable to life changes like retirement, reduced hours, or a new district — all of which can shrink or eliminate benefits.
- Not truly portable, so coverage doesn’t move with you — leaving gaps when your job situation shifts.
- Can leave you out of control of your future protection — with limited customization or refundability.
Don’t let your income protection vanish when you need it most.
Coverage That You Control
Your career evolves, and so should your protection.
Our independent coverage is designed to move with you:
- Stays with you whether you teach, work part-time, or retire.
- Comes with no vendor limitations.
- Has no job-based restrictions.
Here's How Protecting Teachers' Income Is Different:
Portable Protection
Coverage stays with you, even if you retire, reduce hours, change roles, or leave education entirely. You're not tied to one job or one vendor.
Year-Round Security
Your coverage is active 365 days a year—no gaps, no guesswork, even over summer!
Refundable Options
Select plans return 100% of your premiums if you never file a claim, typically after 10 years. Coverage when you need it, money back if you don't!
Clear, Competitive Pricing
You get more value for less. Your plan is often more affordable than traditional options — with more features for the price.
Personal Support
From choosing a plan to filing a claim, you’ll have real support every step of the way. No call center runaround — just personal, helpful service.
See Our Plan Options
MOST POPULAR
Paycheck Protection
Replace your paycheck if illness or injury keeps you from working.
Access details
Critical Illness
Get a lump sum for cancer, stroke, heart attack, or other serious diagnoses.
Explore now
Accident Insurance
Get paid cash for ER visits, fractures, or other accidental injuries.
Learn more
Life Planning & Security
Long-Term Disability
Your paycheck is your most valuable asset. Protect it for years against an unexpected illness or injury.
See how it works
Final Expense Insurance
Ensure loved ones aren’t left with burial costs or debt.
Explore details
Term Life Insurance
Provide your loved ones with a financial safety net if you pass away unexpectedly
learn more
Wealth Building & Flexibility
Long-Term Care Options
Plan ahead for care costs without draining your retirement
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Annuities for Educators
Create guaranteed income that lasts a lifetime. Especially valuable if your pension doesn’t include Social Security
Custom Bundles
Mix and match plans to cover what matters most — with one personalized package.
How Independent Coverage Compares to What You Might Already Have
See how our truly portable coverage offers distinct advantages over traditional, job-tied plans you might currently have.”
Feature
- Stays With Youℹ️
- Refundable Premiumℹ️
- Customizationℹ️
- Carrier Flexibilityℹ️
- Payment Flexibilityℹ️
- Coverage Eligibilityℹ️
AFA / The Standard
- ❌ Ends with job changes or retirement
- ❌ Premiums are not returned
- ❌ Fixed benefit and terms
- ❌ One vendor only
- ❌ No flexibility in how or when you pay
- ❌ Limited to preset group qualifications
Protecting Teachers' Income
- ✅ Fully portable - stays with you
- ✅ Some plans refund 100% if unused
- ✅ You choose coverage amounts and terms
- ✅ Access to multiple top-rated carriers
- ✅ You choose how and when to pay
- ✅ A-rated carriers - fits your health and budget
Get Your Free Income Protection Guide
Unlock essential insights to secure your financial future. Before the school year gets going, know where you stand.
- Does your plan still work for your current role?
- Will your coverage end if you resign or leave education?
- Will you lose coverage if you retire or reduce hours?
- Are you eligible for better options without overpaying?
- Uncover crucial features like true portability, refund options, and custom choices often missing elsewhere.
- Clearly understand your existing coverage and what personalized options are available—without pressure or jargon.
- Gain one-on-one guidance to navigate your unique income protection needs.
- Empower yourself to take control of your financial well-being.
Plans change.
Needs change.
Roles change.
Has your protection kept up?
📩 Have a quick question?
👉Email Us — we’re happy to help!
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