Life Insurance Providers for CRNAs: Term Coverage Compared
Home / CRNA Insurance / Life Insurance Providers for CRNAs: Term Coverage Compared / Last Updated January, 2026
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Many CRNAs evaluate term life insurance to replace income, cover debts, and protect dependents during peak earning years. Term coverage is often favored for its cost efficiency and clean alignment with time-limited obligations like mortgages, childcare, and college funding. The providers below are commonly considered by high-income professionals. Policy features vary by carrier, underwriting profile, and state of residence.
Banner Life Insurance Company
- Policy focus
- Term life insurance
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm disability-related and family riders
- Coverage size
- Often competitive for higher face amounts (profile dependent)
- How CRNAs access it
- Broker/online marketplace
- Best for: CRNAs shopping primarily for competitive term pricing and straightforward coverage.
- Watch for: Underwriting outcomes can vary; compare offers for the same term length and face amount.
Prudential Financial
- Policy focus
- Term and permanent options
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Often robust; confirm waiver/accelerated benefits where relevant
- Coverage size
- Common option for higher coverage needs (profile dependent)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs who want flexible design options and strong rider availability.
- Watch for: Confirm rider details in writing—names sound similar across carriers but benefits differ.
Protective Life Insurance Company
- Policy focus
- Term life (strong presence) plus permanent options
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm what is available in your state
- Coverage size
- Often used for larger term policies (profile dependent)
- How CRNAs access it
- Broker/online marketplace
- Best for: CRNAs seeking term coverage with flexible structuring and common availability.
- Watch for: Confirm conversion windows and any limitations tied to age or term length.
Legal & General America
- Policy focus
- Term life insurance
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm add-ons relevant to your situation
- Coverage size
- Often competitive for term pricing (profile dependent)
- How CRNAs access it
- Broker/online marketplace
- Best for: CRNAs who want straightforward term designs and competitive pricing.
- Watch for: Make sure the policy is structured around your real timeline (mortgage, kids, retirement runway).
Northwestern Mutual
- Policy focus
- Term and permanent life insurance
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm disability-related and family riders
- Coverage size
- Common for long-term planning needs (profile dependent)
- How CRNAs access it
- Advisor channel
- Best for: CRNAs prioritizing long-term carrier stability and planning-oriented support.
- Watch for: Ensure you’re comparing apples-to-apples on premium, conversion, and riders—not just brand reputation.
MassMutual
- Policy focus
- Term plus strong permanent options
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm options aligned to family planning
- Coverage size
- Often used for high face amounts (profile dependent)
- How CRNAs access it
- Broker/advisor channel
- Best for: CRNAs who want a carrier that offers both term coverage and permanent planning paths.
- Watch for: If you’re purely buying term, keep the comparison focused on term pricing and conversion terms.
Pacific Life
- Policy focus
- Term and permanent options
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm waiver/accelerated benefits
- Coverage size
- Common in higher coverage comparisons (profile dependent)
- How CRNAs access it
- Broker/online marketplace
- Best for: CRNAs comparing multiple underwriting outcomes across different health profiles.
- Watch for: If considering no-med options, confirm pricing tradeoffs and coverage limitations.
Mutual of Omaha
- Policy focus
- Term and permanent options
- Term lengths
- Commonly 10–30 years (varies)
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm what is available in your state
- Coverage size
- Broad range; often used in term comparisons (profile dependent)
- How CRNAs access it
- Broker/online marketplace
- Best for: CRNAs who want a broad menu of policy types and common availability.
- Watch for: Underwriting can differ from carrier to carrier—shop multiple offers, not one quote.
State Farm
- Policy focus
- Term and permanent options through captive channel
- Term lengths
- Varies by state and product
- No-med options
- Sometimes available (profile dependent)
- Convertibility
- Often available (policy-specific)
- Riders
- Varies; confirm disability-related and family riders
- Coverage size
- Varies by underwriting and product
- How CRNAs access it
- Local agent/captive channel
- Best for: CRNAs who prefer working with a local agent and a familiar, service-driven model.
- Watch for: Since this is a captive channel, compare at least one independent quote to validate pricing.
AANA Insurance Services / Caprock Insurance Partners
- Policy focus
- Member-oriented access to coverage options (varies)
- Term life availability
- Varies by program and state
- No-med options
- Program and underwriting dependent
- Convertibility
- Policy-specific
- Riders
- Varies; confirm what is offered through the program
- Coverage size
- Varies by carrier within the program
- How CRNAs access it
- AANA/member channel and partner enrollment
- Best for: CRNAs who want to compare options through a CRNA-focused partner channel.
- Watch for: Confirm the actual underwriting carrier behind the offer and compare term length, riders, and price like-for-like.
Provider summaries are for educational purposes only and do not constitute endorsements. Individual policy terms, pricing, rider availability, and underwriting outcomes vary by state, age, health status, and carrier. CRNAs should review policy details and consult qualified professionals before purchasing life insurance.