Nurses Life Insurance Rates (2024)
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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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 22, 2023
It’s all about you. We want to help you make the right life insurance 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 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.
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.
UPDATED: Nov 22, 2023
It’s all about you. We want to help you make the right life insurance 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 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.
On This Page
- 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
| Age | Female Average Monthly Rates | Male 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 |
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.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
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.