Touro University Nevada Employee Life Insurance
Understand your group coverage gaps and explore supplemental life insurance options from A-rated (A.M. Best) carriers through agents in our Nevada network.
700+ in Nevada
Estimated Nevada Employees
$500,000
Illustrative Coverage Amount
$40–$100/mo
Illustrative Premium Range
Group Benefits vs. Coverage Gaps
Understanding what Touro University Nevada typically provides — and where that coverage falls short.
What Touro University Nevada Likely Provides
- Touro group life insurance
- Health and dental benefits
- Retirement savings plan
Common Coverage Gaps
- Medical school faculty with clinical consulting income under-covered by salary formula
- Group coverage terminates with Touro employment
- Healthcare faculty with dual clinical/academic income need comprehensive sizing
- No PERS enrollment — private university has different retirement structure
Why Touro University Nevada Employees Consider Supplemental Life Insurance
Covers combined clinical and academic income not captured in group formula
Portable through physician and academic career transitions
No PERS — individual coverage is the primary portable benefit
Permanent options for medical faculty building long-term wealth
Available year-round — no Touro enrollment period required
Supplemental Coverage for Touro University Nevada Employees
Touro University Nevada's College of Osteopathic Medicine and health sciences programs attract faculty with dual clinical and academic careers in Henderson. Physician faculty often earn income from both clinical practice and academic work — neither of which is fully captured by group life insurance formulas. Individual supplemental life insurance through an A-rated (A.M. Best) carrier provides Touro Nevada faculty with portable, comprehensive protection sized to their total professional income. Agents in our network serve healthcare and academic professionals in the greater Las Vegas area.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier. No personalized coverage recommendation is made — work with a licensed agent to determine what is right for your situation.
Your Estimated Coverage
Example coverage amounts and illustrative premiums for Touro University Nevada employees.
$500,000
Illustrative Coverage Amount
$40–$100/mo
Illustrative Monthly Premium
Illustrative monthly premium for a healthy non-smoking physician faculty member age 44. Actual premiums vary by carrier and individual underwriting.
Actual premiums vary by carrier and individual underwriting. Quotes are estimates subject to underwriting review.
Touro University Nevada Employee Life Insurance Questions
Total documented income from all sources — clinical practice, academic salary, consulting — forms the basis for insurable income. A physician earning $250,000 between both roles needs $2.5 million or more in total coverage by a 10x benchmark.
Touro is a private institution and does not participate in Nevada PERS. Faculty rely on the university's 403(b) or 401(k) plan. This makes individually owned life insurance even more important as a standalone protection component.
Yes. Being a physician, including a DO, does not result in any occupational risk rating. Physicians typically qualify for standard rates based on personal health factors.
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Explore Supplemental Coverage as a Touro University Nevada Employee
Agents in our network of Nevada-licensed professionals can compare options from multiple A-rated (A.M. Best) carriers to help you understand what supplemental coverage may make sense for your situation.
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