Life Insurance for Nurses

Life insurance for nurses is about $12/mo. However, nurse life insurance is based on several factors, including age, gender, policy type, and health. Nurses can skip life insurance shopping and get term life insurance through their workplace. You can secure cheap life insurance for nurses by shopping around and comparing the best companies.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Nurse life insurance can be found through the workplace or private insurance
  • Any nurse can get personal insurance through another company
  • Life insurance rates for nurses vary based on age, gender, policy type, and coverage limit
  • Prudential Life Insurance Company works closely with the American Nurse Association

Life insurance for nurses is more accessible than most occupations in the United States.

Nurse life insurance is well connected with several companies across the country – giving nurses options, such as group life insurance and private term life insurance.

But how much are nurse life insurance rates? Read through this short guide to learn more about life insurance quotes for nurses and what life insurance company is best for nurses.

Are you ready to compare life insurance for nurses right now? Use our free comparison tool above to compare the top companies in your local area to find the best insurance rates.

How much are life insurance rates for nurses?

Life insurance costs for nurses vary by age, gender, policy type, health, and company.

Any nurses who are part of the American Nurse Association or any other medical system can enroll in group term life insurance or group-level life insurance, which is life insurance through the workplace.

If they do, they’ll likely get a group life insurance policy through Prudential Life Insurance Company.

You don’t have to go through your job to get Prudential life insurance. You can go to them directly.

But how much are Prudential life insurance rates? Let’s look at the average cost of Prudential life insurance.

Prudential Life Insurance Average Monthly Rates for Non-Smokers by Age, Gender, and Policy
Age of PolicyholderAverage Monthly Rates for 10-Year/$100,000 Policy (Female)Average Monthly Rates for 10-Year/$100,000 Policy (Male) Average Monthly Rates for 20-Year/$100,000 Policy (Female) Average Monthly Rates for 20-Year/$100,000 Policy (Male) Average Monthly Rates for 10-Year/$250,000 Policy (Female)Average Monthly Rates for 10-Year/$250,000 Policy (Male)Average Monthly Rates for 20-Year/$250,000 Policy (Female)Average Monthly Rates for 20-Year/$250,000 Policy (Male)
25$12.25$13.83$12.87$14.70$15.53$18.16$16.41$19.03
30$12.25$13.92$13.13$15.32$15.53$19.03$17.28$20.35
35$12.25$13.92$13.13$15.49$15.53$19.25$17.72$20.78
40$13.30$15.67$15.49$17.50$17.28$21.00$22.53$24.50
45$16.28$17.68$19.17$20.39$22.75$23.63$29.10$29.97
50$21.27$21.88$23.89$26.95$30.41$31.28$40.03$45.50
55$23.80$28.18$28.88$37.28$34.35$42.88$53.82$71.53
60$29.49$37.72$44.89$62.39$47.25$66.28$89.91$129.07
65$41.13$58.45$74.64$111.65$73.50$119.66$155.75$242.60
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Females pay about less than males, but rates go up as you get older. Nurses that decide to go with group life insurance will have their monthly premium deducted from their paychecks.

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Life Insurance for Nurses: What life insurance options do nurses have?

Sometimes workplace life insurance policies may not feel like enough coverage. If so, nurses can pursue personal insurance options like another term life insurance policy or permanent life insurance.

What are permanent life insurance policies? Permanent life insurance lasts your entire life, and they come with cash value perks that you can’t get with term life insurance or guaranteed issue life insurance.

Here are a few types of permanent life insurance solutions.

  • Whole Life Insurance
  • Universal Life Insurance
  • Indexed Universal Life Insurance
  • Variable Universal Life Insurance

Always take a few minutes to learn more about permanent life insurance before you apply.

On average, permanent life insurance is at least $80 per month. To secure the best coverage, compare multiple companies before you buy life insurance for nurses.

Life Insurance for Nurses: What’s the bottom line?

Affordable life insurance for nurses is available not because of the profession but because nurses are part of employers that are well connected to the best insurance companies.

If an employer doesn’t provide enough coverage, nurses can always get private insurance with another company.

Now that you know more about life insurance for nurses, enter your ZIP code in the free online quote tool below to compare the best companies near you.

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