PRN and part-time often have no life benefit
Part-time and PRN status frequently means little or no employer life insurance. A personally owned policy is not affected by hours, census or facility changes.
Healthcare professionals
Healthcare professional? Is your job's life insurance really enough?
You keep patients breathing, moving and healing — RT, PT, OT, CNA, tech, EMS or physician. Most employers cover just 1–2× your salary, and it usually ends when the job does. We're Joel and Dasha Nual, nurses and licensed agents, and we'll help you see your real gap: start with a six-question Coverage Check, then a free 15-minute intro call if you want one.
Free 15-minute intro call · No pressure · No cost
Will I qualify? Free nurse pre-check →
60-second Coverage Check
Is the coverage you have enough?
Move the sliders. Nothing is submitted or saved unless you choose to book.
Your yearly income$75,000
Life insurance through your job
Years your family would need your income10 years
Mortgage balance$200,000
Other debts (student loans, car, cards)$30,000
Children who may need college help2
Life insurance you already own personally$0
Your estimated coverage gap
$1,020,000
Estimated need$1,095,000
What you have$75,000
This is an estimate, not advice. Your real number depends on your family and goals — that's what your free intro call and coverage appointment are for.
Get My Free Coverage CheckHow we estimate: Need = income × years + mortgage + other debts + (children × $50,000) + $15,000 final expenses. Gap = need − job coverage − personal coverage (never below $0). Not a quote or an offer of coverage; premiums depend on underwriting.
Who we help
Respiratory Therapists
Learn morePhysical, Occupational & Speech Therapists
Learn moreCNAs, Techs & EMS
Learn morePharmacy, Lab & Imaging
Learn morePhysicians & Advanced Practice
Learn morePhysicians, NPs and PAs: employer group life rarely matches a physician-level income or student-loan and mortgage obligations. See coverage for physicians and advanced practice.
Why job coverage falls short for healthcare workers
Agency staff usually have none
Agency and contract staff usually have to buy their own coverage, and it should not disappear when the contract ends.
Physical injuries and underwriting
Lifting injuries, back surgery or a workers' compensation claim are usually underwritable. Carriers look at whether it is resolved, current treatment and whether you are working. We would rather have that conversation before an application than after a decline.
Multiple jobs, one fragile safety net
Household income is often spread across two or three jobs. Coverage tied to any one employer is fragile; we size coverage on total household income and obligations.
How it works
- 1
Free 15-minute intro call
We learn about your household, your job's coverage and your goals.
- 2
We do the homework
We compare carriers that fit your health history and budget.
- 3
Meet with options in hand
A 15-minute follow-up call to walk through your real choices. No pressure.
Questions healthcare workers ask
I work PRN and get no benefits. What are my options?
A personally owned policy, which is not tied to hours or employment status. Depending on your age, health and budget, that is usually level term or a smaller final expense policy.
I had a back injury and a workers' comp claim. Can I still get covered?
Usually yes. Carriers look at whether the injury is resolved, what treatment you are on and whether you are working. Ongoing narcotic pain management and pending disability claims narrow the carrier list but do not automatically end the conversation.
Do you work with EMS and paramedics?
Yes. Most carriers do not surcharge routine EMS work, though some ask about specialized duties. We handle those questions during the review.
I work two jobs. How do you calculate what I need?
On total household income and obligations, not on one employer's pay stub. We look at debts, final expenses and the years of income your family would need.
Is this only for people in Alabama?
No. We are licensed in Alabama, Georgia, Texas, Kentucky and Florida, and everything is handled by phone and video.
Get My Free Coverage Check
Your Free Coverage Check
Pick a time for your 15-minute intro call.
Sunday–Friday. Times shown in your time zone.
Checking our real calendar for open times…
Prefer to talk now? Call or text (205) 206-0029.
Not ready to pick a time?
Answer six quick questions and see your estimated gap first.
Take the Healthcare Pro Coverage Check