Life insurance & IUL for America's nurses
You take care of everyone. This one's for you.
Life insurance that belongs to you — not your hospital. It stays with you through every unit, contract and job change, flexes with your overtime, and builds cash value for retirement.
Free quote for America's nursesQuestion 1 of 5See what you qualify for
A few quick taps. Takes about two minutes — free, no obligation.
- Takes about 2 minutes
- No SSN or payment info
- No obligation
RNs, NPs, LPNs and travel nurses — hospital, clinic or agency. We're not affiliated with any hospital, health system or staffing agency. Private insurance — not a government program.
Rather talk? Call (202) 365-3584- Proudly serving America's nurses
- Licensed in 49 states
- Free quote in 2 minutes
- No cost, no obligation
- Real agents in Dallas, Texas
Thank you for what you do
America runs on nurses
Nurses are the largest health care profession in the country — the first face people see on the worst day of their lives. You take care of America. Let's make sure someone's taking care of you.
3.5M
registered nurses caring for America
U.S. Bureau of Labor Statistics, Occupational Outlook Handbook — registered nurses held about 3.5 million jobs in 2025.
- 2 min
- To check your options
- 17.6%
- Hospital RNs who switched jobs last year
- $0
- Cost to check
- 49
- States we serve
The problem
The coverage you have belongs to your hospital
Most nurses get life insurance through work. It's usually one or two times your salary, and it's tied to the job — not to you.
It ends when the job does
Group life usually stops the day you leave. And nurses move — a new unit, a new hospital, a travel contract, back to school for your NP. Every move can leave a gap.
It isn't enough for your family
One or two times your salary rarely pays off a mortgage, let alone replaces your income for the years your family would need it.
The work takes a toll
Twelve-hour shifts, heavy lifting, constant exposure. If an illness takes you off the floor, living benefit riders can pay out part of the death benefit while you're alive.
17.6%
Hospital RNs who switched employers last year
NSI Nursing Solutions, 2026 National Health Care Retention & RN Staffing Report (calendar 2025). Employer group life usually ends when you leave.
Why nurses own their coverage
Keep your hospital plan. Keep your 403(b). This works right alongside them.
01
Yours, not your hospital's
Work coverage usually ends the day you turn in your badge. A policy you own stays with you through every unit, contract and career move.
02
Flexes with your schedule
Put more in when you're picking up overtime or a contract bonus, and dial it back if you go part-time or head back to school, within your policy's limits.
03
Protection when the market drops
Your cash value has a 0% floor, so a bad year in the market credits zero instead of a loss. Policy fees still apply — and we'll show you the down years, not just the good ones.
04
Living benefits
A heart attack, a stroke or a diagnosis that takes you off the floor. If you're diagnosed with a qualifying critical, chronic or terminal illness, you can get part of your death benefit early — while you're still alive.
“I'd been quoted three times and every agent pushed the same product. Prime was the first to actually show me the numbers side by side — including the option that paid them less. That's why I signed.”
Priya N.Nurse practitioner · Sacramento, CAClient name shortened for privacy. Individual results vary.
Changing jobs
Your coverage moves with you
A new unit this spring. A 13-week contract in Arizona this summer. Back to school for your NP after that. Your policy goes wherever you go — no hospital or agency decides what your family gets, and depending on your age and health, many nurses qualify with no medical exam.
Check my options
Straight answers
Nurse IUL, answered plainly
What is an IUL for nurses?
An IUL is permanent life insurance that provides a death benefit for your family while also giving you the opportunity to build cash value over time. For nurses it's designed around two things work coverage doesn't do: it belongs to you rather than the hospital, and the premium can flex with overtime and contract pay.
My hospital already gives me life insurance. Why would I need this?
Employer group life is often a multiple of one or two times salary, and it generally ends when you leave that employer. Nurses move — new unit, new hospital, a travel contract, back to school — and each move can leave a gap. A personally owned policy sits on top of the work coverage and doesn't change when your job does.
Do I need a medical exam?
Not always. Depending on your age, health and the amount of coverage, some carriers can approve you through accelerated underwriting — prescription history and MIB records — with no exam at all. Others ask for a short paramedical exam scheduled around your shifts. Nursing is treated as a standard occupation by most carriers.
I already have a 403(b). Why would I want this too?
Keep the 403(b) and take every dollar of the match. An IUL sits alongside it for what a retirement account doesn't do: a death benefit, living benefit riders, and cash value you may be able to reach through policy loans before 59½ without the IRS early-withdrawal penalty. Loans reduce the policy's values and benefits, and your agent will show you the guaranteed column alongside the projection.
What if I change hospitals, go travel, or go back to school?
Your IUL is personally owned and isn't tied to any employer. If your income drops for a while, IULs offer premium flexibility subject to policy requirements — call your agent before reducing payments so the policy is reviewed first and doesn't lapse.
Are you affiliated with my hospital or a nursing association?
No. Prime Financial is an independent insurance agency. We aren't affiliated with any hospital, health system, staffing agency or nursing association, and nothing about your policy goes through your employer.
No cost, no obligation
See what you qualify for in two minutes
Answer a few quick questions and a licensed agent who works with nurses will put your real numbers together. It's free, there's no pressure, and we'll call around your shifts — never during them.
What happens after you submit
- 1You answer a few quick questionsA handful of questions, about two minutes. No medical exam.
- 2We review your needsA licensed life insurance agent reads it before anything is quoted.
- 3You receive tailored optionsTwo or three carriers, side by side, with the trade-offs named.
- 4An agent calls when you askedYou pick the window. No robocalls, no drip campaign.
About you
Step 1 of 2
Prefer to talk it through?
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