Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 13, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • Nurses can get life insurance through their employers or through a private life insurance company
  • Group life insurance offered through employers is the most affordable life insurance option for nurses
  • Private life insurance policies offer more customizable coverage and follow you from employer to employer

Whether you are a nurse fresh out of school or a long-time veteran, you deserve affordable life insurance for nurses.

Keep reading to learn what the most cost-effective options are for nurses and where you can find affordable term life insurance that gives you the coverage you deserve. Knowing how to find cheap term life insurance rates will save you from paying more than you need.

To start looking for life insurance quotes for nurses, enter your ZIP code above and we will help you connect with life insurance providers that fit your needs and budget.

What is the most affordable life insurance option for nurses?

By far the most affordable life insurance available for nurses is the group life insurance options provided by their employers.

Group life insurance rates for nurses can be extremely affordable because oftentimes the employer will pay part of the premiums.

This means you can get coverage for a fraction of what it would cost if you were purchasing it from a private provider.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What kind of coverage do group life insurance plans offer?

Group life insurance policies almost exclusively term life insurance policies. While this does keep the life insurance quotes for nurses low, it does come with some drawbacks.

The first drawback is the amount of coverage. Often group life insurance companies will offer a maximum of $50,000 in coverage.

In addition, term life insurance policies are, by their nature, not permanent. In the case of many group life insurance policies, they expire when you leave that specific employer.

According to the National Library of Medicine, and as many veteran nurses will tell you, a large part of nurse life is changing employers frequently.

Whether it is because a nurse is leaving the profession, or just the facility, the reality is that nurses are unlikely to get much benefit from a policy that only exists while they work with a specific employer.

Where else can nurses get life insurance?

Private insurance is another way to get life insurance directly through a life insurance company, rather than going through your employer.

This is how the majority of people get their life insurance and for nurses, it can be a great way to get more coverage.

While there is no one life insurance company for nurses, there are many personal insurance companies that provide policies specifically for nurses.

Most of these companies can be found by reaching out to nursing organizations, like the American Nurses Association that works with Prudential. To learn more, read our Prudential life insurance company review.

The main benefit to purchasing coverage through a private insurance company is that the coverage stays with you.

While you will pay more for a policy through these companies, you will keep that coverage no matter how many times you change your job.

Another benefit is that you can get the coverage you need.

Whether you are looking for permanent or term life insurance, purchasing from a private insurance company will allow you to get the exact type of coverage you want.

Are you ready to buy life insurance for nurses? Enter your ZIP code below and we will help you jumpstart your search today.