Nurses Life Insurance Rates (2021)
Typically, employers offer cheap life insurance for nurses as a workplace benefit, but that coverage goes away if you leave your job for any reason. Fortunately, nurses' life insurance rates average $26 per month, and most people in this profession easily qualify for a traditional term or whole policy. You can even buy nurses' life insurance from associations that specialize in your field.
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UPDATED: Jul 14, 2021
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- 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.
Below, compare the average monthly nurses’ life insurance quotes for a 20-year term policy with a $250,000 death benefit.
|Age||Female Average Monthly Rates||Male Average Monthly Rates|
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.