teachers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
Most teachers can get some life insurance through their school. BLS says 85 percent of school teachers had access to a life plan at work in 2026. That is a good start, but it may not be enough.
A school plan often pays one or two times your pay. It usually ends if you leave the job. A policy you own can fill the gap and stay with you if you change schools or retire.
- BLS says 85 percent of primary, secondary, and special education teachers had access to life insurance at work in March 2026.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Your age and health
- Tobacco or nicotine use
- How much coverage you have through your school
- Your yearly pay and your debts
- Who depends on your income
Common questions
Do teachers already have life insurance?
Many do. BLS says 85 percent of school teachers had access to a work plan in 2026. Check your benefits to see how much you have.
Is my school plan enough?
Maybe not. A work plan often pays one or two times your yearly pay. Think about your mortgage, debts, and kids when you pick an amount.
What happens to my school coverage if I change jobs?
It usually ends when you leave. A policy you own keeps going as long as you pay for it.
Does teaching raise my price?
Teaching is not seen as a risky job. Your age, health, and tobacco use matter most.
