Best Teachers Life Insurance Cover 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 19th February 2024

teachers life insurance

The question is: Why should a teacher consider life insurance and its associated cover?

The majority of teachers are entitled to a teacher’s pension, offering a payout of up to three times their average final salary.

A common assumption among those who teach is that a standard pension provides ample security for their loved ones.

This assumption may hold true if you’re in the early stages of your teaching career without any dependents. However, for those with families and dependents, incorporating life insurance into your financial planning is a wise move.

For those who have dependents and are exploring the available life insurance choices, we’d be delighted to help.

This short guide to teachers’ life insurance is essential reading if you want to protect your loved ones. Read on to find out more.

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teachers life insurance policy

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teachers life insurance uk

Special Life Insurance Deals For Teachers:

Don’t be another teacher without life insurance to protect your loved ones if the unexpected should happen.

Some Reasons To Consider Getting A Free Quote Today:

  • Life Insurance Plans From Only £5.83 per month
  • Get A Policy That Is Tailored Specifically For You. Be Fully Protected Whatever Happens
  • Life Cover That Gives Your Family Protection Without Straining Your Bank Account
  • Possess Excellent And Positive Customer Reviews
  • Favourable Treatment For Smokers
  • Policies With Excellent Rates For Shared Coverage

Teaching from A Life Insurers Viewpoint

Life insurance for teaching as a profession is typically available at standard rates. Life insurers may raise premiums if you are a science teacher working with hazardous materials or a woodwork teacher handling dangerous or heavy machinery.

What is essential is to ensure your teaching activities are included as part of your life policy and not excluded. Using a specialist rather than a mainstream life insurer will help.

Example cost of Life Insurance for Teachers

AgeAmount of CoverTerm of Cover (Years)Estimated Premium

*Premiums are examples based upon a teacher who has no serious health issues as of 18/02/2024.

Life Insurance vs. Death in Service for Teachers

FeatureLife InsuranceDeath in Service
Tailored to budgetary needs and requirements?Yes, based on individual or family requirementsNo, fixed benefit usually 3x annual salary
Coverage DurationSelected term or until deathOnly while employed at the educational institution
Benefit AdaptabilityCan be adjusted to specific needsFixed, cannot be adapted
Coverage for MortgageYes, can be specifically tailoredNo specific provision

Critical Illness Cover Options for Teachers

Cover TypeDescriptionCommonly Covered Conditions
Level CoverThe cover amount remains unchanged throughout the termCancer, Heart Attack, Stroke
Decreasing CoverCover amount decreases over time, suitable for repayment mortgagesMS, Parkinson’s Disease
Increasing CoverCover amount rises with inflation, protecting the policy’s value over timeAlzheimer’s Disease, Kidney Failure
teacher and students

How does Life Insurance Cover Work?

The concept of Teachers Life Insurance is easy to understand with the following simple steps:

  • Contact a specialist life insurance broker
  • Undertake a telephone fact-finding conversation with a broker
  • Receive a competitive, tailored quote
  • Pay an agreed regular premium over the policy duration
  • Your designated beneficiaries receive a payout should you die

Life Insurance for Teachers in the UK

As a teacher working and residing in the UK, when should you consider life insurance? Here are some valid reasons:

  • Do you have a financial commitment, such as a mortgage or a car loan?
  • Are you the primary breadwinner of your household?
  • Would your family suffer financial hardship if something were to happen to you?

If your answer is yes to these questions, consider life insurance cover.

Compare The UK’s Top Life Insurance Policies – No-Obligation Quote Form

  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

teachers critical illness cover

Contact Insurance Hero today for a fast, no-obligation quote. We’ll connect you with specialists in tailored, competitive teachers’ life insurance and other professional vocations. Contact us today on 0203 129 88 66

  • Primary schools
  • Secondary schools
  • Academies
  • Grammar schools
  • Independent (private) schools
  • Special needs schools
  • Further education colleges
  • Sixth form colleges
  • Universities and higher education institutions
  • Nursery schools and early years settings
  • Pupil referral units (PRUs)
  • Adult education centres
  • Vocational and technical colleges
  • Faith schools
  • Montessori schools
  • International schools within the UK
  • Boarding schools
  • Free schools
  • City Technology Colleges (CTCs)
reasons to consider life insurance

Why Consider Using Insurance Hero?

Insurance Hero only wants you to pay premiums relevant to your teaching. Should you pay the same premium cover as a woodwork or science teacher if you teach geography? 

The premiums may well all be at standard rates. Still, suppose it is necessary for a teacher handling dangerous chemicals in a lab to pay a slightly higher premium. In that case, Insurance Hero will ensure that the level of premium accurately reflects your teaching activities.

Compare Teachers Insurance Cover

At Insurance Hero, we have strong relationships with underwriters who specialise in competitive teacher’s life insurance quotes for residents here in the UK. Underwriters trust us to provide a thorough fact-finding exercise to determine your daily activities.

Through precise questions from Insurance Hero and honest answers, we aim to get you a watertight policy that will pay out if needed.

Other Associated Types of Life Cover

Life insurance pays out should you die. Two associate types of life cover that are not dependent on death are income protection and critical illness cover only.

Teachers life insurance can protect your loved ones when you most need it. Read on to find out more.

Life Insurance For Teachers Critical Illness Cover

Critical illnesses are diseases and emergency medical procedures that, once diagnosed, may stop you from ever returning to work or, at the very least, limit the extent you can work.

This type of life cover provides a lump sum if you survive ten days after diagnosis. The lump sum is agreed upon at the outset of the fixed-term policy and can match your circumstances which may change over time.

Critical illness can consist of level, increasing, or decreasing cover, which are all tools to ensure the level of payout reflects your ongoing circumstances.

Level cover:

The cover amount remains unchanged for the duration of the fixed-term critical illness policy

Decreasing cover:

The cover amount decreases over the length of the cover. It is useful to expect financial obligations such as mortgage repayments to fall over the policy duration.

Increasing cover:

The life cover amount rises with inflation as measured by the Consumer Price Index (CPI)

Types of critical illnesses and medical procedures

Diseases covered under a life insurance for teachers policy are listed at the outset.

An example of standard illnesses included by life insurers include but are not limited to the following:

  • Heart attack
  • Liver failure
  • Kidney failure
  • Parkinson’s disease
  • Traumatic brain injury
  • Structural heart surgery
  • Loss of hand or foot
  • Alzheimer’s disease
  • Stroke
  • Coma
teachers insurance cover benefits

We Have Helped Teachers From Many Teaching Backgrounds Including The Following:

  • Primary school teachers
  • Secondary school teachers
  • Special educational needs (SEN) teachers
  • Early years teachers
  • Further education teachers
  • Higher education lecturers
  • Teaching assistants
  • Nursery teachers
  • Subject specialist teacher (e.g., Mathematics, English, Science)
  • Headteachers
  • Deputy headteachers
  • Assistant headteachers
  • Curriculum leaders
  • Pastoral care teachers
  • Physical education (PE) teachers
  • Music teachers
  • Art teachers
  • Foreign language teachers
  • Drama teachers
  • Technology and design teachers
  • Librarians (with teaching responsibilities)
  • Educational psychologist (with teaching or training roles)
  • Tutor s(private, group, or online)
  • Examination invigilators (part of teaching responsibilities in some settings)
  • Career advisors/counselors
  • Learning mentors

Death in service benefit

Most UK teachers pensions do include a death in service benefit, which can provide financial assistance to the loved ones of a teacher who dies while employed.

A death in service benefit (also known as a death in service payment) is a lump sum payment made to the beneficiary of a deceased employee. The purpose of the payment is to provide financial assistance to the beneficiary to help them cope with the death of their loved one.

The payment amount varies from country to country, but it is typically a fairly large sum of money. In the United Kingdom, for example, the amount is four times the employee’s annual salary.

Eligibility for the benefit also varies from country to country. Still, it is typically available only to employees who die while in service or within a certain period after leaving service.

Do teachers get life insurance?

Yes, life insurance policies specifically designed for teachers offer cover from the day they begin teaching their first day of work. Comprehensive policies can differ depending on the company and type of coverage but include coverage for a spouse, children, and other family members.

A life insurance policy for teachers helps to protect their dependents if the teacher dies. When a teacher buys a life insurance policy, it pays out his or her family an agreed-upon amount upon their passing.

Do teachers get critical illness cover?

If a teacher has a critical illness, it will be covered by insurance. Critical illness cover is provided by life insurance, and the cover can be between 30 and 100 percent of the policy. It can be a very important portion of your financial planning, as it pays a cash lump sum when you are diagnosed with a covered critical illness.

Do teachers get whole of life cover?

Yes, teachers can get whole of life cover.  You could be at risk of losing your income if you die suddenly, which is why most life insurance providers offer this type of policy.

*£8 per month based on a 30-year-old non-smoker taking out £236,250 level term cover over 20 years (L&G) – Prices correct as of January 2024

For more information on critical illness cover for teachers, please get in touch with our office today. Insurance Hero has extensive experience helping teachers get tailored income protection cover. Call our office today on 0203 129 88 66