← All articles For Nurses
Life Insurance for Nurses: What Your Hospital Plan Misses
Employer coverage is 1–2x salary and it doesn't follow you out the door. Here's what nurses should own personally.
We built this agency as nurses, for families like the ones we cared for — and that includes our own colleagues.
The group coverage trap
Most hospital systems offer 1x or 2x salary in employer-paid life insurance. Three problems:
- It ends the day you leave, and nurses change employers often.
- Conversion options at exit are usually expensive.
- 2x salary does not pay off a mortgage, replace 20 years of income, or fund childcare.
What we recommend most nurses own personally
- A 20 or 30-year term policy sized around 10–12x income, locked in while you're young and healthy.
- A small whole life or final expense policy that never expires, so something is always in force.
- Disability protection through your employer if it's offered — your income is the asset.
Night shift, back injuries, and burnout
None of these disqualify you. Underwriters care about diagnosed conditions and medications, not schedules. What matters is locking in a rate before a diagnosis shows up on a chart.
We speak your language
No sales script, no evening cold calls after a 12-hour shift. Watch the 90-second video, fill out a short form, and take one scheduled call at a time that works around your rotation.
Frequently asked questions
- Isn't my hospital life insurance enough?
- Rarely. Group coverage is typically 1–2x salary, ends when you change jobs, and gets expensive if you convert it later.
- How much coverage do nurses usually need?
- A common target is 10–12x income, adjusted for mortgage, dependents, and student loans.
- Do nurses get better rates?
- Not automatically, but nurses tend to have documented, well-managed health histories, which underwrites well.
Peace of mind, backed by nurses.
Free 15-minute consultation. No pressure. Just clarity.
Start — watch the 90-second video
