I get your concerns about giving out your personal information online, especially your SSN. However, I did some research on NAEYC and their free term life insurance offer and it seems to be a legit and reputable organization. They offer a lot of resources and support for educators and caregivers in the field of early childhood education.
Also, have you considered looking into health insurance options?
Reverse Health offers affordable and customizable health insurance plans for individuals and families. It's always good to have some form of health coverage, just in case.