Nurses & Life Insurance
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Nurses & Life Insurance
As a nurse you are at the very front of seeing when things don’t work out as people planned. You probably understand far more than most people, just how important it is to have things like life insurance to help loved ones in their time of need.
Nurses should be able to get life insurance at standard terms with most UK insurers, assuming that you don’t have any health conditions, travel or sporting risks that could affect your application.
To check if you can access life insurance at standard terms we will ask you:
- Are you working full-time or reduced hours due to a health condition?
- Is your work based in the UK or abroad?
Most nurses working in the UK will be able to access life insurance in the UK, without their occupation affecting the terms that they are offered. This means that nurses should be able to get life insurance at the lowest premiums possible.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Nurses & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When you work in the NHS you can potentially get up to six months full pay, followed by six months half pay if you are ill and cannot work. Income protection is designed to kick in to top up your income at 6 months and 12 months.
In your role as a nurse you will have seen people who have experienced life changing events, that mean that they cannot work again. These are the situations that income protection is designed for.
Some insurers have specific income protection policies for nurses. We will look at placing your income protection to get you the advantages that come with these policies.
If you do not work for the NHS you might need an income protection policy that kicks in far more quickly than 6 months.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Nurses & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover should be available to nurses without any price increases or exclusions relating to your role.
Critical illness cover often comes at a core or enhanced options with most insurers. There is often more conditions that are covered in the enhanced version of critical illness cover and sometimes the definitions of how you can claim are better too. As a medical professional you will be able to make a clear decision as to which of these options suits you best.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Nurses & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.
Possible Risks
- Back pain
- Exposure to hazardous materials
- Needle stick injuries
- Physical assault
- Stress
Occupational Duties
- Heavy lifting
- Medical examinations
- Medication management
- Patient care
- Record keeping
Example Occupations
- Adult nurse
- Bank nurse
- Cardiac nurse
- Children’s nurse
- Critical care nurse
- District nurse
- General practice nurse
- Health visitor
- Learning disability nurse
- Mental health nurse
- Neonatal nurse
- Nurse anaesthetist
- Nursing associate
- Oncology nurse
- Paediatric nurse
- Parkinsons nurse
- Prison nurse
- Registered nurse
- School nurse
- Theatre nurse
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 873 reviews.
Review by James on 30th October 2023
“Cura have helped me find life insurance, with my HIV diagnosis I was refused by high street providers. Cura knew exactly who to approach and understood the medical history and obtained life insurance for me.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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