Healthcare hub
Life Insurance for Healthcare Workers
CNAs, patient care techs, respiratory therapists, EMS crews, medical assistants and rehab therapists all face the same two problems: coverage tied to a job you may not keep, and agents who do not understand the work. We are two licensed nurses who work the same halls, and we handle everything in one 20-minute call. We are independent agents licensed in Alabama, Georgia, Texas, Kentucky and Florida.
Nurse Dasha Nual
LPN, Licensed Life Insurance Agent
Last reviewed September 3, 2026
For everyone else on the unit
What CNAs, techs, therapists and EMS crews should know about coverage that follows them.
We are recording this one now. Until it is posted, the written walkthrough below covers the same ground — or call us at (205) 206-0029.
The people who hold the unit together are usually the least covered
In long-term care, Dasha has worked next to CNAs carrying the heaviest physical load in the building on the thinnest benefits package. Part-time and PRN status frequently means little or no employer life insurance, and agency staff often have none at all.
Household income in these roles is also frequently spread across two or three jobs. That makes coverage that depends on any one employer especially fragile, and it makes a personally owned policy especially valuable.
- PRN and part-time roles often carry no employer life benefit
- Agency and contract staff usually have to buy their own
- A personally owned policy is not affected by hours, census or facility changes
- Premiums are locked at the age and health class you qualify at today
Who we work with
Certified nursing assistants and patient care techs. Respiratory therapists. Surgical techs and sterile processing. Paramedics and EMTs. Medical assistants and phlebotomists. Physical, occupational and speech therapists and their assistants. Housekeeping, dietary and transport staff who are just as much part of the building.
The conversation is the same one we have with nurses: what would your household need, what do you already have, and what will a carrier do with your health history.
Physical work, injuries and how underwriters see them
Lifting injuries, back surgery, a workers' compensation claim, chronic pain management — these come up constantly in this work, and they are underwritable. Carriers care about what the records show now: whether it is resolved, what medications you are on, whether you are working.
Ongoing opioid therapy and pending disability determinations get more scrutiny and change which carriers make sense. We would rather have that conversation before an application than after a decline.
What coverage usually looks like in these roles
For most people we talk to, the answer is a level term policy long enough to cover the years their household depends on their income, or a smaller final expense policy if the goal is simply to keep a funeral off the family's shoulders.
We will also tell you when a very small policy is the right size. Buying more than your household budget can carry is how policies lapse, and a lapsed policy protects nobody.
How to start
Three steps: watch the short video, answer a short form, and take one 20-minute call at a time you pick. Phone or video, applications signed electronically, no in-person visit needed.
No pressure and no endless follow-up. If we cannot improve on what you already have, we will say so plainly.
Questions we get asked
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.
Talk to an actual nurse
One 20-minute call with us — two licensed nurses, not a call center. We read your chart the way we read it at the bedside, then tell you plainly what your options are.
Book a 20-Minute CallLicensed in Alabama, Florida, Georgia, Texas and Kentucky — serving families across the South. We are independent licensed agents, not an insurance carrier.
Keep reading
Life insurance for nurses
The nurse hub, with pages by situation.
Final expense insurance
Smaller coverage aimed at funeral and burial costs.
Term life insurance
Income protection for the years your family needs it.
No medical exam life insurance
Approval without a paramed visit, when it is available.
Florida healthcare workers
CNA, respiratory therapy and PRN guides plus Orlando through Gainesville corridors.