What is the Trust for Insuring Educators? (TIE)

Purpose. The Trust for Insuring Educators (TIE) was established in June 1973 in cooperation with three educational associations. Individually, these associations lacked large numbers of members and, consequently, buying power. TIE made it possible for member organizations to pool their memberships and create a large enough base to secure competitive insurance plans and rates.

As of 2000, 60 national associations comprise TIE. The Trust provides each participating association a no-cost membership benefit. TIE members enjoy mass purchasing power, association autonomy, and personalized service.

Plans for Members of TIE Associations.  

Affordable insurance options and quality protection are possible through the group buying power of TIE member associations.

Some restrictions may apply to certain plans and not all plans are available to all associations, in all states or to residents in other countries. 

To request additional information about the features of each plan, including eligibility, premiums, exclusions, limitations and renewal provisions, please fill out an information request.

	Term life* Whether you’re buying term life insurance for the first time or increasing the coverage you already have, you can request up to $750,000 of outstanding coverage at special rates for association members. New reduced rates for nonsmokers. Request a personal quotation to see for yourself how affordable this term life insurance really is. (For members under age 65. Underwritten by New York Life Insurance Co., 51 Madison Ave., New York, N.Y. 10010-Policy Form GMR.)
	$1 million and $2 million professional liability  Enjoy protection from the high costs of lawsuits due to your activities as an education professional. The policy covers you individually against a broad range of exposures whether the allegations are true or false. Your part-time private practice activities may be eligible for coverage. (For employed educators.)
	$1 million and $3 million private practice professional liability This plan is designed to meet the needs of private practice educators who are not directly employed by a school district. This plan offers affordable, quality liability protection for you. It is available to individuals, partnerships or corporations. Optional general liability endorsement is now available.
	Student teacher professional liability plan With the student teacher's plan, you will be protected against a broad range of exposures associated with your student teaching duties.
	Long term care insurance evaluation service You and your loved ones can receive a personalized, no-obligation benefit and price comparison of plans from several top-rated insurance companies. With an outstanding selection of plans covering home health care, assisted living and nursing home expenses, our specialists will guide you through the selection and application process — so you get the plan you need. (For members, parents and grandparents).
	Disability income protection If you can’t work due to a covered disability, you can still receive up to two-thirds of your salary to age 65. Choose a monthly benefit amount of $200-$5,000. (For members under age 65. Underwritten by New York Life Insurance Co., 51 Madison Ave., New York, N.Y. 10010-Policy Form GMR.)
	Personal auto Mention your association and you may receive an additional eight percent discount from Geico (in most states) on your auto insurance. Features include nationwide, 24-hour claims handling, customized coverage, safety discounts and more. Call (800) 368-2734 for an immediate quote or visit www.geico.com. (Underwritten by Geico, Washington, D.C.)
	Headstart* Give your children or grandchildren a "headstart" with this specially-designed juvenile life insurance policy. Headstart  provides $10,000 term life coverage for only $36 a year. At age 25, the plan converts to whole life (additional premiums apply) with options to add up to $60,000 at different age intervals, regardless of health. (Underwritten by Fidelity Security Life Insurance Co., Kansas City, Mo.)
	Accidental death and dismemberment* Pays up to $300,000 for death from any covered accident. Pays double for common carrier or profession-related travel accidents. Family coverage is available. Guaranteed issue — competitive rates. (For members under age 65. Underwritten by New York Life Insurance Co., 51 Madison Ave., New York, N.Y. 10010.)
	Life after 50* A guaranteed issue, modified whole life plan for members and spouses. Your coverage amount is determined by your age at enrollment, with the premium for one unit only $40 every six months. (For members age 50-75. Underwritten by Fidelity Security Life Insurance Co., Kansas City, Mo.)
	Excess major medical* Helps protect against catastrophic medical costs with higher deductible options. After you meet your chosen deductible for each injury or sickness, the plan pays up to 100 percent of further eligible expenses — up to a lifetime maximum benefit of $1 million. New York residents.  (Underwritten by U.S. Life, Neptune, N.J.)
	$500,000 new cancer plan* Health plans seldom cover all the costs of today's cancer treatments. This plan pays you cash benefits in addition to any other insurance you may have. A wide range of expenses are covered including preventive procedures such as mammograms, even when you don't have cancer. Your entire family can be covered with individual lifetime benefits of up to $500,000. (Underwritten by Fidelity Security Life Insurance Co., Kansas City, Mo.)

back to the top                    information request

Specialty Plans Available.

	Directors and officers liability Protection for child care center board members from potential litigation.
	In-home child care providers liability Liability and property damage coverage for providers caring for one to 12 children in their homes. Annual premiums start at $200.
	Student accident program Accident insurance for students of nursery schools, kindergartens, child care centers and Project Head Start centers. Teachers and supervisors also can be covered.
	School Leaders Errors and Omissions Program Endorsed by American Association of School Administrators (AASA) and National School Boards Association (NSBA). *Some restrictions may apply to certain plans and not all plans are available to all associations, in all states or to residents in other countries.  To request additional information about the features of each plan, including eligibility, premiums, exclusions, limitations and renewal provisions, please fill out an information request. home          back to the top How the Trust Works. Each association joining TIE becomes a voting member or Settlor on an equal basis with the other members as described in the Trust Agreement. The association agrees that it will not endorse other plans of insurance which compete with the plans adopted by TIE. In spite of the size of the Trust and the number of associations involved, each insured can call FTJ toll-free from any place in the U.S. and acquire answers to questions they have about their insurance coverage. Each member is provided with an association-specific, descriptive all-coverage brochure. These brochures briefly describe each insurance coverage offered through TIE and give members an opportunity to request additional information on available plans. Some suggested uses for these brochures are: include them with the new member packets and renewal mailings distribute them at conventions and other association functions enclose them with orders for association merchandise insert them in newsletters or journals Because the associations which comprise TIE are national in scope, the insurance plans adopted by TIE must also be available nationally (subject to approval by the states) in order to serve all members. All marketing costs are borne by the insurance companies and administrator. TIE offers a wide selection of insurance plans. Each association can select those programs that are of the greatest interest to its members. Some restrictions may apply to certain plans and not all plans are available to all associations, in all states or to residents in other countries.  To request additional information about the features of each plan, including eligibility, premiums, exclusions, limitations and renewal provisions, please fill out an information request. back to the top             TIE associations            TIE plans Copyright© 2001 Forrest T. Jones & Company Updated October 08, 2002 . For comments or questions regarding the Web site,  sstone@FTJ.com