Financial protection and retirement planning designed specifically for nurses and healthcare professionals
You take care of everyone else. Let us take care of protecting your financial future.
As a nurse, you dedicate your life to caring for others, often sacrificing your own wellbeing and time with family. You work long shifts, deal with high-stress situations, and face physical and emotional demands that most people can't imagine. You deserve financial protection that recognizes these unique challenges and provides security for you and your family.
Healthcare professionals face unique occupational hazards - exposure to illnesses, physical strain, emotional burnout, and the risk of career-ending injuries. Your financial plan should protect against these real risks.
Between 12-hour shifts, overtime, and rotating schedules, you barely have time for yourself. We make financial planning simple, efficient, and designed to work around your demanding schedule.
You save lives and comfort families during their most difficult moments. You deserve financial solutions that honor your service and provide the security you've earned through your dedication.
Your family sacrifices too - missed dinners, holidays apart, and constant worry about your safety. Our solutions ensure they're financially protected no matter what happens.
What if your life insurance could help you while you're still living? With National Life Group's Living Benefits, you don't have to wait until death to access your policy benefits. If you're diagnosed with a qualifying condition, you can access your death benefit early to help with medical bills, living expenses, or anything else you need.
Living Benefits allow you to access a portion of your life insurance death benefit while you're still alive if you're diagnosed with a qualifying illness. This means your life insurance isn't just for your family after you're gone - it's there to help YOU when you need it most.
If you're diagnosed with a critical illness such as:
You can access up to 50-75% of your death benefit to help with treatment, bills, and recovery.
If you become chronically ill and:
You can access your death benefit to pay for long-term care, in-home care, or assisted living facilities.
If you're diagnosed with a terminal illness and given:
You can access up to 100% of your death benefit to spend your final time with family, pay for treatment, or handle final expenses without burdening loved ones.
As a healthcare professional, you know better than anyone how quickly life can change. You've seen firsthand how a sudden diagnosis can devastate a family financially. Living Benefits ensure that if something happens to you, you have immediate access to financial resources to:
You've spent your career taking care of others. Now it's time to ensure you're taken care of in retirement. An Index Universal Life (IUL) policy provides life insurance protection PLUS a safe, tax-advantaged way to build retirement savings that you can access when you need it.
Unlike 401(k)s or IRAs that can lose value when the market crashes, your IUL cash value has a guaranteed floor. If the market goes down, your account value stays the same - you never lose money due to market performance.
Every IUL policy has a guaranteed minimum interest rate (typically 0-2%). Even in the worst market conditions, your account grows or stays level - it never decreases.
When the market performs well, your cash value grows based on the performance of indexes like the S&P 500. You get market-like returns without market risk.
Need money for an emergency, home purchase, or your child's education? You can borrow against your cash value tax-free with no questions asked. You're not locked into waiting until age 59½ like traditional retirement accounts.
In retirement, you can access your cash value through tax-free policy loans, creating a stream of income that doesn't increase your tax burden or affect Social Security benefits.
Unlike 401(k)s or IRAs that penalize you for accessing money before age 59½, you can access your IUL cash value at any time without penalties. Perfect for nurses who may want early retirement or need emergency funds.
Traditional retirement planning often assumes steady employment and predictable income. But as a nurse, you know that's not always reality. With an IUL:
Based on our experience working with healthcare professionals, these are the financial benefits that matter most to nurses:
If you can't work due to injury or illness, how will you pay your bills? Life insurance with living benefits provides a financial safety net if the unthinkable happens.
Your family shouldn't lose their home if something happens to you. Life insurance ensures your mortgage is paid off and your family stays in their home.
Your income supports your family. Life insurance replaces that income so your spouse doesn't have to work multiple jobs and your children's futures are secure.
Even with health insurance, serious illnesses can cost hundreds of thousands in deductibles, co-pays, and uncovered treatments. Living benefits help cover these costs.
Nursing is physically demanding. Many nurses can't work into their late 60s. An IUL provides retirement income you can access at any age without penalties.
Many nurses carry significant student loan debt. If something happens to you, life insurance can pay off those loans so your family isn't burdened with your educational debt.
Sarah, a 42-year-old ICU nurse, injured her back lifting a patient. After surgery, she could no longer work 12-hour shifts on her feet. She had to leave nursing entirely.
With an IUL policy: Sarah accessed her cash value to cover living expenses while she retrained for a desk job. The living benefits helped her transition careers without losing her home or draining her savings.
Michael, a 38-year-old ER nurse, was diagnosed with stage 3 colon cancer. Treatment required 8 months off work, and his health insurance didn't cover experimental treatments that could save his life.
With living benefits: Michael accessed 75% of his death benefit ($300,000) to pay for cutting-edge treatment and cover his mortgage and bills while unable to work. He's now in remission and back at work.
Jennifer, a 56-year-old nurse manager, faced severe burnout after 30 years in healthcare. She wanted to retire early but couldn't afford to lose 10+ years of income.
With IUL cash value: Jennifer had built up $450,000 in cash value over 20 years. She took tax-free loans to supplement her income from age 56-65, allowing her to retire early and preserve her health and wellbeing.
Rachel, a 35-year-old single mother and pediatric nurse, worried constantly about what would happen to her two young children if something happened to her. She had no family nearby to take them in.
With life insurance and IUL: Rachel has a $500,000 death benefit that ensures her children's education is fully funded and they're financially secure. Plus, she's building cash value she can use to help pay for college or support them as adults.
Carlos understands the healthcare field and the unique challenges nurses face. He doesn't use confusing financial jargon - he explains everything in clear, straightforward terms so you can make informed decisions.
We know you work nights, weekends, and rotating shifts. We offer flexible meeting times - early morning, late evening, or weekends - so you don't have to sacrifice sleep or time with family to plan your financial future.
No two nurses have the same situation. Whether you're a new grad with student loans, a travel nurse with variable income, or a veteran nurse planning retirement, Carlos creates a customized strategy that fits YOUR specific needs and goals.
This isn't a one-time transaction. Carlos provides ongoing support as your career evolves, your family grows, and your financial needs change. You'll always have someone to turn to with questions or concerns.
The younger and healthier you are, the lower your premiums will be - you lock in those low rates for life. Plus, cash value takes time to grow. Starting early means you'll have substantial retirement savings by the time you need it. And as you know from your work, health can change in an instant - it's better to have protection in place before you need it.
Group life insurance through your employer is a good start, but it has limitations: 1) It's usually only 1-2x your salary, which isn't enough to protect your family long-term, 2) It disappears if you leave your job, 3) It doesn't build cash value you can use in retirement, 4) It rarely includes living benefits. Your own policy ensures you're protected regardless of employment and provides additional benefits group coverage doesn't offer.
Absolutely. IUL policies are flexible and can be customized to fit almost any budget. We'll work with you to find a coverage amount and premium that protects your family without straining your finances. Many nurses find that redirecting money from inefficient savings accounts or reducing unnecessary expenses frees up the funds needed for comprehensive protection.
Many nurses worry they won't qualify due to work-related health issues. While some conditions may affect your rates, most nurses can still get coverage. We work with multiple insurance companies to find the best fit for your situation. Even if one company declines or rates you up, another may offer standard rates.
Yes! Travel nurses are eligible for IUL policies and living benefits. The flexibility of IUL is actually perfect for travel nurses - you can adjust your premium contributions based on your assignment income, and your coverage travels with you regardless of which state you're working in.
Schedule a no-obligation consultation with Carlos to discuss your retirement income strategy and learn how these solutions might fit your goals.
Every day, you put others first. You sacrifice sleep, time with family, and your own wellbeing to care for patients. You deserve financial protection that recognizes your service and provides security for you and your loved ones. Don't wait until it's too late - take the first step toward protecting your financial future today.
Schedule your free consultation with Carlos Milsap and discover how we can protect what matters most to you.
Important: This information is educational in nature and is not intended as financial, tax, or legal advice. Insurance products have specific terms, conditions, and limitations. Living Benefits riders may have additional costs and limitations. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Cash value accumulation and access may vary based on policy performance and loans taken. Consult with Carlos Milsap to understand how these products work and determine what's right for your specific situation.