Life insurance for nurses that stays with you when the job changes
Life insurance for nurses, built around your shifts
Free to useNo obligationLicensed agents only
Tell us your role and your usual shift. We'll match you with a licensed agent who can compare options with you, and we'll reach out at a time that works around your schedule. The service is free.
- Free matching service with no obligation to buy
- A policy you own isn't tied to your hospital or agency
- Night shift? We'll avoid calling while you sleep
Why nurses need coverage of their own
Hospital group life ends when you leave
Group life through an employer usually stops when the job does. You may be able to convert or port it, but only within a short window and often at higher rates. A personal policy stays with you through every job change.
Travel contracts leave gaps
Agency benefits are often tied to each assignment. The weeks between contracts, or a switch to a new agency, can leave you with no coverage at all.
Private and cosigned student loans
Federal student loans are discharged if the borrower dies. Private loans follow the contract, and a private loan signed before late 2018 may not release a cosigner. Coverage can make sure a parent isn't left paying.
Living benefits if you can't work
Many policies offer riders that pay part of the death benefit early for a qualifying chronic, critical or terminal illness, and some also cover a critical injury. That money can help if you're kept off the floor.
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Travel nurse
Coverage that goes with you from one contract, one agency and one state to the next, so the gaps between assignments aren't gaps in protection.
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Night shift nurse
Tell us you work nights and we'll avoid calling while you sleep. Pick late afternoon, right after your shift, your days off, or ask for a text first.
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New grad with loans
Starting young usually means lower premiums, and a policy can cover private or cosigned loans so your family isn't stuck with them.
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NP or APRN with a higher income
A bigger paycheck usually means a bigger gap for your family to fill. An agent can help size coverage to your income, your mortgage and your plans.
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Nursing student
Premiums are based largely on your age and health when you apply, so locking in coverage before you graduate can make sense, especially with loans or a cosigner.
Life insurance for nurses
Nursing Workforce by the Numbers: Pay, Jobs and Injury Rates
According to BLS estimates for May 2025, the U.S. had 3,379,720 registered nurses earning a median $97,550 a year, 648,410 LPNs and LVNs earning $64,400, and 323,040 nurse practitioners earning $132,300. The places many nurses work also carry above-average injury risk: private hospitals reported 5.1 injury and illness cases per 100 full-time workers in 2024, compared with 2.3 across private industry.
Editorial Team · September 30, 2026
Nursing Student Loans and Life Insurance: Who Pays If You Die?
If you die, your federal nursing school loans are discharged once your servicer gets proof of death, and they don't pass to your family. Private student loans follow the lender's contract, so a cosigner or, in some cases, a spouse may still owe the balance, which is the gap a term life policy can be sized to cover.
Editorial Team · September 30, 2026
Life Insurance for Travel Nurses: Covering Gaps Between Contracts
Travel nurses may get life insurance through their staffing agency, but that coverage is tied to your employment with the agency and can end between contracts or when you switch agencies. An individual policy you own stays in force no matter which agency, state or assignment you're on, as long as you pay the premium, which is why it can make sense as your main coverage.
Editorial Team · September 30, 2026
Life Insurance for Nurses: How Much You Need and Where to Get It
Most nurses with people who depend on their paycheck need more life insurance than their employer provides, because workplace coverage often equals about a year or two of salary and usually ends when the job does. A common approach is to keep the work benefit and add an individual term policy you own, sized to your debts, income and family needs.
Editorial Team · September 30, 2026
IUL for Nurses: Does It Belong Next to Your 403(b) or 457(b)?
For most nurses, an indexed universal life (IUL) policy belongs after your 403(b) or 457(b), not instead of them. It can make sense if you need lifelong life insurance, already take your full employer match, and can pay well above the minimum premium for many years.
Editorial Team · September 30, 2026
Best Life Insurance for Nurses (2026)
The best life insurance for a nurse is usually a policy you own, so it stays with you when you change jobs or take travel contracts. Banner Life fits nurses who want to layer extra term coverage over a base policy, Ladder fits nurses who want to apply online with no exam up to $3 million, Mutual of Omaha fits nurses weighing indexed universal life with living benefits, and Northwestern Mutual fits nurses who want whole life with dividends. We compared six insurers using their own published terms, rating agency grades and NAIC complaint data.
Editorial Team · September 30, 2026
Common questions
Is life insurance through my hospital enough?
Often it isn't. Basic group life is commonly a flat amount or one to two times your salary, which may not cover a mortgage, loans and years of lost income. It also usually ends when you leave the job. Many nurses keep their work coverage and add a personal policy they own, so their family stays protected through every job change.
What happens to my work life insurance if I leave or change hospitals?
It usually ends with your employment. Many group plans let you convert to an individual policy or port the coverage, but you typically have to act within a short window after leaving, often about a month, and the converted policy can cost more. Check your plan documents or ask HR for the exact deadline and terms.
Do travel nurses need their own life insurance?
It's worth considering. Agency benefits are often tied to your current contract, so time between assignments or a switch to another agency can leave you uncovered. A personal policy isn't tied to any employer or state assignment. It stays in force as long as you pay the premiums, wherever your next contract takes you.
Does working night shift affect my life insurance rates?
Your shift generally isn't a pricing factor on its own. Carriers mainly look at your age, health, tobacco use, medical history and the coverage amount. Nursing isn't usually treated as a hazardous job. When we reach out, we'll time the call around your sleep, and any medical exam can usually be scheduled at a time that works for you.
Are my student loans forgiven if I die?
Federal student loans are discharged when the borrower dies. For private loans signed on or after November 20, 2018, federal law requires the lender to release a cosigner when the student borrower dies. Older private loans follow their contract, and a cosigner may still owe the balance. Life insurance can cover whatever debt your family could be left with.
Can life insurance help if I'm hurt and can't work?
Some policies can. Accelerated benefit riders may pay part of the death benefit early for a qualifying chronic, critical or terminal illness, and some carriers add critical injury. The rules vary by carrier and state. Riders like these aren't disability insurance, so if you want income replacement while you recover, ask the agent about disability coverage as well.
Do I need a medical exam?
Not always. Some policies are issued from your application, prescription history and other records, with no exam. Others, often those with larger amounts, need a short paramedical exam. It can usually be done at home or another place you choose, at a time that fits your schedule. The agent will tell you which options fit your age, health and coverage goal.
Is this service free, and who will contact me?
Yes, it's free. We aren't an insurance company or agency. We're a matching service that connects you with a licensed agent, who reviews your answers and contacts you in the window you chose. You aren't obligated to buy anything. Any quote depends on the carrier's underwriting of your application.