Nurses & Life Insurance

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Nurses & Life Insurance

NurseAs 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 advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.

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. 

Our advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.

Get an Income Protection Quote

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 will find the right critical illness policy to match your work.

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.

  • Back pain
  • Exposure to hazardous materials
  • Needle stick injuries
  • Physical assault
  • Stress
  • Heavy lifting
  • Medical examinations
  • Medication management
  • Patient care
  • Record keeping
  • 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 5 out of 5 based on 757 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.

Nurse

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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Client Reviews

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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