Life Insurance for Nurses

Life insurance for nurses can be confusing. However, nurses have a potentially dangerous job that makes having enough life insurance coverage essential. Below, we provide you with information such as when nurses should buy life insurance, where they can find it, what type of life insurance is best, and more.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 26, 2021

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Quick Facts

  • Nurses should consider purchasing their own life insurance policy aside from their employer-provided coverage.
  • Term life insurance may be a good option for nurses looking to fill the gap during their working years.
  • Two popular life insurance options for nurses are the Nurses Service Organization and American Nurses Association.

While just about everybody should be concerned with making sure they have enough life insurance coverage, nurses especially need to take it into consideration due to their potentially dangerous work.

Life insurance for nurses can be a little confusing though. Isn’t your employer-provided life insurance enough? Which types of term life insurance are best? Where can you find life insurance for nurses?

Below, we’ll answer these questions and more.

If you need even more help, enter your ZIP code into our free quote comparison tool above to start comparing life insurance quotes from companies in your area.

Should nurses buy life insurance?

Yes, nurses should consider having a life insurance policy. The job that nurses perform can put them in potentially dangerous situations, especially if working with people who have contagious diseases.

For some nurses, these cases, along with the everyday stress of the job, can lead to a shortened lifespan. Therefore, it is important to make sure your family is provided for after you pass.

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What if I already have life insurance through my employer?

Life insurance for nurses through your employer can be both a blessing and a curse. While employers often provide a cheap or even free option for life insurance, you do not ultimately own that policy. Your employer does.

This means that if you switch jobs, you will no longer be covered. And, while your next employer may offer a life insurance benefit, your employer can always choose to decrease coverage or get rid of your policy altogether for just about any reason.

Another downfall of employer-provided life insurance is that you could unintentionally leave yourself with no options in the future.

For example, if you have to leave work due to an injury or illness, you wouldn’t have access to your life insurance, and that same injury or illness could disqualify you from other life insurance policies.

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When should I purchase life insurance?

You should consider purchasing life insurance as soon as possible. You never know when you will need it.

As you get older, life insurance becomes more expensive, so the earlier you buy life insurance, the more affordable it will be. You’ll also be lessening the risk of being denied due to age, injury, illness, or some other factor.

What type of life insurance is right for nurses?

The type of life insurance you decide to buy will depend on your needs. The easiest and often most simple choice is a term life insurance policy.

A term life insurance policy has set premiums and offers coverage for a specific period of time. It is often one of the cheaper options for life insurance.

Term life insurance would be good for nurses who are looking for a policy to cover them during their working years and to cover any gaps left in the policy provided by their employer.

For a more permanent life insurance policy that will last your whole life, whole life insurance or universal life insurance are a better option. You may find you pay more for these policies, but they often have added benefits that term life doesn’t offer.

For starters, whole life and universal life last forever as long as you pay your premiums. They may also offer cash value that can be borrowed against during your lifetime.

You can also add riders to your whole or universal life policies to customize your coverage. One of these riders may be a term life rider, where you would receive a higher amount of coverage for a set amount of time.

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Where can I buy life insurance for nurses?

Life insurance for nurses can be found from any major life insurance provider. However, if you want something more tailored to your job as a nurse, two popular choices are Nurses Service Organization and American Nurses Association.

NSO insurance options include group term life insurance, group level term life, 50 plus senior group term life insurance, as well as other options, such as disability income insurance, dental and health insurance, long-term care, auto and home insurance, and more.

ANA members have access to personal benefits that include final expense insurance. This is not the same as life insurance, but it can offer enough coverage to help pay for a burial and funeral.

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How can I get quotes?

To give you an idea of what you might pay for life insurance, take a look at the table below:

Average Annual Life Insurance Rates by Age and Smoker Status
Age and Smoker StatusAverage Male Annual Life Insurance RatesVersus Average Top 10 InsurersAverage Female Annual Life Insurance RatesVersus Average Top 10 Insurers
25-Year-Old Non-Smoker$152.00-$26.54$158.00-$2.57
35-Year-Old Non-Smoker$160.00-$25.04$164.00-$1.91
45-Year-Old Non-Smoker$245.00-$22.89$262.00+$21.75
25-Year-Old Smoker$346.00+$24.24$210.00-$38.75
35-Year-Old Smoker$416.00+$55.77$252.00-$34.18
55-Year-Old Non-Smoker$696.00+$171.05$414.00+$7.06
45-Year-Old Smoker$739.00+$101.49$464.00-$29.20
65-Year-Old Non-Smoker$1,416.00+$142.88$924.00+$43.34
55-Year-Old Smoker$1,428.00+$63.91$864.00-$127.63
65-Year-Old Smoker$2,868.00-$377.05$1,884.00-$351.31
Average Smoker$1,159.40-$26.33$734.80-$116.21
Average Non-Smoker$533.80+$47.89$384.40+$13.53
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Life insurance quotes for nurses can usually be found online. You should begin by researching the companies you are considering by doing some quick Google searches, such as for NSO life insurance reviews or financial strength ratings.

You can then go to the website of the companies you are considering. Many will offer free quote tools right on the website. You may also have to contact their customer service department or an agent who sells their products.

You will likely need to provide some personal information, and some policies will require a medical exam to qualify.

Summing It Up: Life Insurance for Nurses

Nurses should make life insurance an important consideration since they are often involved in potentially dangerous situations because of their job.

While some nurses are provided with life insurance through their employer, it may be a better option to purchase a life insurance policy of your own. This will give you greater financial freedom, and you can further customize your coverage.

Term life insurance may be a good option for nurses just looking for coverage during their working years, while a whole life or universal life insurance policy will offer a more long-term coverage with more benefits.

Two popular life insurance options for nurses are the Nurses Service Organization and American Nurses Association, but nurses can likely purchase life insurance from many major companies.

If you are a nurse and need help finding affordable life insurance, enter your ZIP code into our free quote comparison tool below and find life insurance rates suitable for you.

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