Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 14, 2021

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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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance 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.

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Facts You Should Know

  • Typically, nurses life insurance rates are $26 per month
  • Nurses usually qualify for traditionally underwritten life insurance policies despite any workplace risks
  • Group life insurance through an employer might not be enough for nurses

Despite potential workplace risks, nurses usually qualify for traditional life insurance quotes. As a result, expect nurses’ life insurance rates to cost $26 per month on average.

Below compare sample rates and learn how to secure cheap life insurance for nurses.

After learning how to secure affordable life insurance for nurses, remember to enter your ZIP code into our free tool above to receive rates from the top providers near you.

What are the average life insurance rates for nurses?

While dangerous jobs can sometimes impact life insurance, nurses do not experience that issue.

Typically, nurses in good health easily qualify for traditional term life insurance and whole life insurance.

Below, compare the average monthly nurses’ life insurance quotes for a 20-year term policy with a $250,000 death benefit.

Average Monthly Term Life Insurance Rates for Nurses
AgeFemale Average Monthly RatesMale Average Monthly Rates
25-years-old$11.56$13.15
30-years-old$11.75$13.22
35-years-old$12.19$13.85
40-years-old$15.60$17.94
45-years-old$22.49$27.85
50-years-old$31.42$40.82
55-years-old$46.95$63.79
60-years-old$82.47$109.80
65-years-old$168.39$222.25
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Your age and gender are not the only factors that impact nurses’ life insurance rates.

Your life insurance prices are also affected by the amount of coverage you require and your personal medical history.

Therefore, to find the most affordable nurses’ life insurance company for you, compare quotes online from multiple providers.

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Should nurses buy life insurance?

According to DataUSA, there are 3.36 million registered nurses in America. Most already receive life insurance coverage as a workplace benefit. Some hospitals even offer free life insurance for nurses.

Other organizations, like the American Nurses Association (ANA), also advertise cheap group life insurance costs to its members.

So you might wonder if it’s even necessary to purchase a personal policy as a nurse? 

While group term life insurance is an excellent workplace benefit, you’ll lose the coverage if you change positions for any reason.

Your employer also owns and controls the policy and the death benefit amount.

Plus, ANA products and benefits are not available in every state. Therefore, it’s more stable to purchase your own policy rather than rely on coverage from your workplace or an association.

Nurses Life Insurance Rates: The Bottom Line

Overall, most nurses will be able to secure affordable life insurance.

From workplace benefits to access to organizations to personal policies, the life insurance options for nurses are endless.

Now that you’ve learned how to buy nurses’ life insurance, shop around for your best coverage by entering your ZIP code into our free rate tool below.