What Happens to Your Coverage When You Leave the District?
District plans often end when you leave, retire, or go part-time—and don’t refund a dime if you never use them. PTI coverage stays with you, pays you back if unused, and protects you year-round.
Fully customizable to your needs—not your district’s, not AFA’s, and not The Standard’s.
Affordable. Portable. Refundable.
Protecting Teachers’ Income
Safeguarding your paycheck. Securing your future.
See the Difference: PTI vs District Coverage
Most district plans are built for the group — not for you. PTI flips the model to focus on flexible, educator-first coverage — designed specifically for you, and built to actually fit your needs.
ℹ️ Hover (or tap on mobile) over the blue ℹ️ icons below to learn more about each feature.
| Policy Feature | PTI | Group Plans |
| Stays With You | ✅ | ❌ |
| Enrollment Flexibility | ✅ | ❌ |
| Refundable Premium Option | ✅ | ❌ |
| Customization | ✅ | ❌ |
| Carrier Options | ✅ | ❌ |
| One-on-One Guidance | ✅ | ❌ |
| Coverage Eligibility | ✅ | ❌ |
| Payment Flexibility | ✅ | ❌ |
| Medical Exam Requirement | ✅ | ❌ |
| Partial Disability Coverage | ✅ | ❌ |
“A lot of teachers think their coverage is portable or refundable—until we look at the fine print.”
Why PTI?
Portable Protection
Coverage that stays with you—even if you leave the district, change careers, or retire.
Year-Round Security
PTI doesn’t pause over summer. You’re protected 365 days a year.
Refundable Options
Some PTI plans refund 100% of your premiums if you never file a claim.
Clear, Competitive Pricing
PTI often costs 15–20% less than district plans with more value.
One-on-One Support
We help you compare plans and choose with confidence—one step at a time.
Before You Enroll in a District or Union Plan Like AFA or The Standard
Make sure you're getting the full picture. Most educators don’t realize what other options are available — or how much they could save.
- Compare plan flexibility and portability
- Learn what’s actually refundable (and what isn’t)
- Customize coverage to your needs, not the group
- Get pricing across 50+ top-rated carriers
- Keep your coverage even if you change districts
- Choose a plan based on your health, income, and goals
Every year, teachers lock into district-sponsored plans they barely understand. Most assume the coverage is portable or refundable — until it’s too late to change.
We’re not limited to a single carrier. We shop broadly to find smarter, educator-focused plans tailored to your needs — not the group’s.
Before you enroll in something you’ll be stuck with all year, let’s review your options.
You Deserve More...
You Deserve a Plan Customized…
Most teachers are given a 10-minute group meeting about district or union-sponsored plans—often through vendors like AFA or The Standard.—then end up with benefits they didn’t fully choose or understand.
At PTI, we take the time to get it right. You’ll spend time with an advisor to understand your options and build a plan that’s right for you—not just one that checks a box.
Prefer to start with a question? Send us an email — we’re happy to help.
Smart Protection Built for Educators
You won’t find one-size-fits-all plans here. At PTI, we help teachers customize protection that fits their life, their budget, and their long-term goals. Whether you’re just starting out or preparing for retirement, we’ll help you find the right combination of coverage and value.
MOST POPULAR
Disability Insurance
Replace your paycheck if illness or injury keeps you from working.
REFUNDABLE PREMIUM OPTION
Chronic Illness Coverage
Get a lump sum for cancer, stroke, heart attack, or other serious diagnoses.
REFUNDABLE PREMIUM OPTION
Accident Insurance
Get paid cash for ER visits, fractures, or other accidental injuries.
Life Planning & Security
Hospital Indemnity Plans
Daily cash payouts when you’re hospitalized for illness or injury.
Final Expense Insurance
Ensure loved ones aren’t left with burial costs or debt.
Mortgage Protection
Help your family keep your home if something happens to you.
REFUNDABLE PREMIUM OPTION
Wealth Building & Flexibility
Long-Term Care Options
Plan ahead for care costs without draining your retirement.
Annuities for Educators
Create guaranteed income that lasts a lifetime. Especially valuable if your pension doesn’t include Social Security.
Custom Bundles
Help your family keep your home if something happens to you.
Testimonials
“I always assumed my district benefits were enough. After reviewing my options with PTI, I realized how much better coverage I could get—for less. I finally feel in control.”
Melissa H
3rd Grade Teacher,
Southern California Public School
“The consultation felt like a conversation, not a sales pitch. They helped me find a policy that fits my budget and actually follows me if I switch schools.”
Darryl T
High School Math Teacher,
Southern California Public School
“I’ve been in education for over 20 years. This was the first time someone explained how my coverage really works—and how to strengthen it without breaking the bank.”
Erika L
Assistant Principal,
Southern California Public School
*The testimonials above are illustrative examples based on common teacher experiences. Names and districts have been changed for privacy.*
Don’t Just Enroll. Make Sure It’s the Right Fit—at the Right Price.
Most teachers are rushed through enrollment with one-size-fits-all plans.
You deserve a real conversation—one that’s actually about you.
In just 15 minutes, we’ll review what coverage you already have, identify the gaps, and show you what smarter, more flexible options could look like—often with better protection and lower monthly costs.
You’ll leave with real clarity about your benefits and whether it’s worth exploring further.
No pressure. Just real answers.
*Free. 1-on-1. Just for educators.*
Still Have Questions? We’ve Got Answers.
Many educators have similar questions when exploring coverage outside their district or union-sponsored plans. Here are answers to the most common ones we hear.
Most district or union plans only offer pre-packaged options through a single provider. PTI works with 50+ top-rated insurance companies to help you find a plan that fits you—your health, income, goals, and budget. Many of our policies are portable, customizable, and even refundable if unused.
Yes. Unlike most district or union-sponsored benefits, our plans are portable—they stay with you even if you change jobs, switch districts, or leave education entirely.
Not at all. In fact, many teachers are surprised to find they can get better coverage—often for less money—by customizing a plan that fits their needs. Because we shop across multiple carriers, we can often find better value than what's offered through group plans provided by the district, AFA, or The Standard.
Nope. This isn’t a group enrollment session or a hard sell. You’ll spend time with a licensed advisor who listens to your needs and helps you explore smarter, personalized options. No pressure—just clarity and choice.
You can get started with a quick 15-minute call. If you decide to move forward, we’ll work at your pace to build a plan that works for your life—not someone else’s enrollment calendar.
Schedule Your 15-Minute Call — it’s quick, easy, and designed to give you real answers, not a sales pitch.
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