The 1x-Salary Illusion
Hospitals typically provide 1x or 2x base salary. After taxes, debts, and mortgage payments, that rarely supports a family for more than 18 months.
Built by Nurses · Licensed Insurance Professionals
Is Your Life Insurance Actually Working for You?
The Insurance Nurses helps nurses, healthcare professionals, and families understand their current coverage, explore available options, and make informed decisions without unnecessary sales pressure.
100% Portable Protection: Your coverage stays with you if you leave your hospital, take travel contracts, or go PRN.
Reviewed by Bedside Nurses: Joel (RN) and Dasha (LPN) read your health history with clinical nuance — no judgment, no red tape.
Living Benefits Available: On eligible plans, you can access cash early if you face a critical illness such as cancer or stroke. Availability and payout are set by the carrier.
5 States licensed Nurses, no call center AL · FL · GA · TX · KY
Joel & Dasha Nual
Nurses · Licensed Agents
The hospital group policy trap
Three reasons your employer coverage isn't enough.
The Portability Trap
Your employer policy ends the day you clock out for the last time. If your health changes before you leave, private coverage later can cost far more — or be declined.
Zero Living Benefits
Employer plans generally pay only on death. Many private, nurse-reviewed plans can include living benefits that pay you cash after a serious diagnosis, subject to carrier approval.
After the video, the next step is a 20-minute conversation with Joel or Dasha.
Book My 20-Minute Coverage ReviewWatch first, talk later
One short video answers almost everything.
Before anyone speaks to you, we’d rather you understand what you’re looking at. No jargon, no countdown timers, no “limited time offer.”
- What life insurance actually does for your family
- Why rates quietly rise the longer you wait
- What a nurse looks for in your health history
- Exactly what happens on the one phone call
Filmed by Joel and Dasha — short and focused, no sales pitch.
Life insurance, made simple
Three steps. No pressure and no endless follow-up.
We treat this the way we treated our patients: explain it clearly, answer the questions, and let you make the decision. You are never chased.
- 01
Short explanation
Watch the short video
It answers the big questions before anyone talks to you.
- 02
Three topics
Answer the short form
Your audience, current coverage, and primary goal help us prepare for your review.
- 03
20 minutes
One 20-minute call
At a time you pick. We look at the options together, then you decide.
Healthcare & family protection suite
View all services Four ways we build coverage around a clinical career.
Living Benefits Term
Sized to your income, covers the mortgage and the kids, with critical illness riders available on eligible plans.
Tax-Advantaged Cash Value (IUL / Whole Life)
Cash value you can access, supplemental retirement income, and protection from market downside.
Clinical Debt & Mortgage Shield
Aligned to graduate loan balances and the years left on your home, so no one inherits the payment.
Family Legacy & Final Expense
Simplified-issue, dignified end-of-life coverage for parents, seniors, and Southern neighbors.
Why families choose us
We care like nurses and protect like agents.
“Before I sold insurance, I held the hand of a young mother who never got to say goodbye. Marriage and motherhood taught me what matters most — and nursing taught me what families are unprepared for. That’s why we do this work.”
— Nurse Dasha Nual, LPN & Co-Founder
We understand life’s fragility because we see it every day.
Medical Trust
Decades of bedside experience inform every policy we recommend. We understand health, risk, and what families actually face.
Family-First Values
We’re parents and partners first. We design coverage around real life — mortgages, kids, aging parents, and peace of mind.
Tailored Protection
No one-size-fits-all. We compare top-rated carriers to match the right plan to your budget and goals.
Our Story
A nurse’s heart. An agent’s expertise. A couple’s mission.
Joel and Dasha Nual met in nursing and married before their first night shift together. After years of hospice, long-term care, and hospital code teams, they kept seeing the same heartbreak: loving families left financially vulnerable because no one helped them prepare.
So they trained, earned their insurance licenses, and started The Insurance Nurses — the agency they wished every family they cared for had known. They also run Alabama’s Wellness, their community health work across Northern Alabama.
Read our full storyReviews
Nurses, healthcare families, and neighbors.
“I bounce between hospitals every 13 weeks. Joel and Dasha explained how little my travel agency life insurance actually did between contracts and helped me put an affordable permanent policy in place.”
“As a respiratory therapist and a teacher, we put this off for years. Joel and Dasha spoke our language, never pressured us once, and had our policy approved in days.”
“I'm not in healthcare, but knowing two nurses were reviewing my policy gave me far more trust than a regular insurance salesman. Compassionate and straightforward.”
Testimonials reflect individual experiences. Coverage, eligibility, and pricing are determined by the insurance carrier.
Proudly Northern Alabama
Local nurses. Local agents. Local roots.
We were trained in Huntsville hospitals, raised our family in the Tennessee Valley, and built our agency to serve the neighbors we already know. When you call, a real nurse-agent answers — not a call center in another state.
8+
Counties served
2
Nurses, no call center
1 business day
Typical quote turnaround
Learning & Resources
Visit the blog Plain-spoken guidance from nurses.
What we won’t do
The parts of insurance everyone hates? We skipped them.
No cold calls
One scheduled call, at a time you pick. We don't dial you out of the blue.
No pressure
We explain, you decide. If it isn't right, we'll be the first to say so.
No obligation
Stop at any step. Nothing changes and nobody follows up unless you ask.
Schedule a Compassionate Consultation.
No pressure. Just care. Bring your questions — we’ll bring the empathy and expertise.
- Free 20-minute call
- Personalized recommendations
- Top-rated carriers
- Quotes within one business day