401(k), 403(b), 457(b) or pension
Workplace retirement
Designed primarily for retirement saving and may include valuable employer contributions.
LIFE INSURANCE PLANNING FOR HEALTHCARE PROFESSIONALS
You protect lives. Let’s protect the life you’re building.
Explore whether indexed universal life insurance could complement your workplace benefits with individually owned permanent coverage and cash-value potential.
Built for nurses, physicians, residents, fellows, NPs, PAs, dentists and CRNAs.
Get your healthcare-focused IUL review
Tell us what you already have and what you want your coverage to accomplish.
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No obligation. No SSN, medical records or banking information requested on this form.
What to expect
- Designed around healthcare careers
- Private and securely submitted
- No obligation to purchase
- State availability confirmed before recommendations
Indexed universal life is permanent life insurance, not a direct investment in a market index. Policy benefits, values and availability depend on underwriting, carrier terms and state approval. Non-guaranteed elements can change.
The True Cover approach
Coordinate, don’t replace
Different benefits do different jobs.
Your workplace retirement plan, HSA, employer life insurance and disability coverage may already give you an important foundation. An IUL review should account for those benefits—not pretend they do not exist.
HSA
Health savings
A tax-advantaged account for eligible medical expenses when qualification rules are met.
Disability insurance
Income protection
Designed to help protect income when illness or injury prevents someone from working.
Indexed universal life
Permanent protection
Individually owned permanent life insurance that may build cash value under the policy’s terms.
The goal is coordination—not replacement.
Where an IUL may fit in a healthcare professional’s plan
Protection you own
Unlike coverage connected to a specific employer, an individually owned policy can remain with you when your career changes, provided the policy remains in force.
Permanent family and legacy protection
An IUL can provide a permanent death benefit when required premiums and policy conditions are maintained.
Cash-value potential
The policy may earn interest credits using an external index-based formula, subject to caps, participation rates, spreads, floors, charges and other policy terms.
An IUL is not right for everyone. Cost, health, age, coverage needs, funding capacity and long-term commitment all matter.
Built around healthcare careers
Start with the realities of your work and benefits.
The right review accounts for existing workplace benefits, coverage needs, funding capacity and the long-term commitment a permanent policy requires.
Physicians
Explore permanent coverage alongside benefits, income protection and long training timelines.
Explore the guideNurses
Review individually owned protection in the context of shift work, benefits and changing employers.
Explore the guideDentists
Consider coverage needs shaped by practice ownership, debt, family goals and long-term planning.
Explore the guideCRNAs
Coordinate workplace benefits and permanent life insurance without treating either as a universal answer.
Explore the guidePlain-language education
Understand the policy before considering the policy
An IUL is
- A form of permanent life insurance
- A policy with a death benefit and potential cash value
- A policy whose interest-crediting method may reference an external index
- A long-term product that must be properly funded and monitored
- Subject to underwriting, policy charges and carrier terms
An IUL is not
- Health insurance
- A direct investment in a stock-market index
- A guaranteed retirement return
- A replacement for disability insurance
- A replacement for an emergency fund
- Automatically better than a 401(k), 403(b), 457(b), pension, HSA or Roth IRA
- Appropriate for every person
How it works
A clearer way to review your options
- 1
Tell us about your career and benefits
Answer a few simple questions without providing a Social Security number, medical records or banking information.
- 2
A licensed professional reviews the information
Your state, goals, existing benefits and comfortable budget help determine what options may deserve consideration.
- 3
Review an actual illustration before deciding
If an IUL appears appropriate, review carrier-specific guaranteed and non-guaranteed values, costs, policy assumptions and alternatives before applying.
FAQs
Questions healthcare professionals ask
Your career is specialized. Your coverage review should be too.
Start with the benefits you already have and see whether permanent life insurance has a role in the plan you are building.
Indexed universal life is permanent life insurance, not a direct investment in a market index. Policy benefits, values and availability depend on underwriting, carrier terms and state approval. Non-guaranteed elements can change.