We've got you covered with Term Life & AD&D Insurance

Term Life Insurance

Simple, affordable coverage built for nurses

We get it—life insurance can be an overwhelming topic. How much and what kind to get, fitting monthly payments into an already-tight budget, understanding the value—it’s a lot to figure out. That’s why we’ve made things simple!


Offered by the American Nurses Association (ANA) and issued by The Prudential Insurance Company of America, the Term Life plan is designed with you in mind. Tailored to fit the needs of busy nurses, this plan helps protect the life and career you’ve worked so hard to build—without the stress.

Plan features

  • Affordable monthly premiums—for example, a 35-year-old ANA member can get $250,000 of coverage for $18.50/mo.
  • Simple online application—95% of surveyed nurses agree our application process is fast and easy.*
  • Keep your plan as long as you’re a member—even if your health changes.
  • Quick claims payments—giving your loved ones one less thing to worry about in times of need.
  • Accelerated death benefits—receive 90% of your coverage, up to $100,000, if you become terminally ill.
  • Coverage that stays in place if you change jobs—pays in addition to any employer-paid life insurance you may have.

Find the right coverage for your budget

Benefit amounts of up to $500,000 are available for ANA members and rates are designed with nurses’ budgets in mind. Discover how much your coverage will cost with our easy-to-use calculator and remember, you can increase your coverage amount any time, subject to medical underwriting approval.

Ready to get covered?

Apply today

ANA Term Life Calculator

Coverage $200,000
Monthly Payment $10.60
$50,000$500,000
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Ready to get covered?

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Frequently Asked Questions

In exchange for regular payments (premiums), this life insurance will pay your loved ones (beneficiaries) a lump sum of money (death benefit) if you pass away while covered by the policy. The amount of the lump sum is determined by the size of your insurance policy (your coverage). It can be used by loved ones to help pay for whatever they may need after you’re gone—like housing costs, medical bills, funeral expenses, or childcare.

You might need term life insurance if your loved ones rely on your income to pay for expenses. You should consider how they would manage everyday costs like rent or a mortgage, childcare, and groceries, as well as final expenses like a funeral.

You can keep this coverage up to age 80 as long as you continue to pay premiums and maintain your ANA membership. Premiums are based on your age at the time you initially enroll and increase each time you enter a new 5-year age bracket.

In most cases, you’ll only need to answer a few simple health questions. Medical exams are not usually required but may be necessary based on your medical history. Plus, once you’re covered, you won’t lose coverage as you get older or if your health changes, as long as you maintain your ANA membership.

With the ANA Member Term Life Plan, coverage is available for your spouse or domestic partner, for up to 50% of your coverage amount, and your children, at a flat rate of $10,000 of coverage.

Term Life Insurance is a great way to provide for your family when you’re gone, but it’s also important to consider their financial future if something happens to you while you’re alive, for example, if you’re suddenly injured and unable to work. Learn more about our Accidental Death & Dismemberment (AD&D) Insurance and discover how you can help provide fuller coverage for your family.

We respect the lengths you go to for your patients—
that’s why we're dedicated to offering exclusive insurance
plans to help protect the life and career you've worked
so hard to build.

Coverage is offered by Prudential, a trusted name in
insurance for over 150 years, and endorsed by the American
Nurses Association.