CRNA disability insurance quotes
One request returns a side-by-side comparison from Guardian, Principal, MassMutual, Ameritas, and The Standard, quoted for nurse anesthetists in your state. No fee and no obligation.
A CRNA disability insurance quote needs the contract read as much as the price, because not every major carrier writes true own-occupation for nurse anesthetists and all five cap mental and nervous claims at 24 months. Seaworthy quotes Guardian, Principal, MassMutual, Ameritas, and The Standard simultaneously and puts the definitions beside the premiums. The comparison is free, and the premium carries no markup.
What a CRNA quote comparison includes
Every request is priced by all five carriers at once, and the comparison lines the contracts up on the provisions that decide a nurse anesthetist's claim. The definitions carry more weight than the premium column here, and the table shows why.
| What we compare | Across the five carriers | Why it matters for a CRNA |
|---|---|---|
| Own-occupation definition | Whether the contract pays when you cannot work as a nurse anesthetist, and how each carrier words that promise. | Not every major carrier writes true own-occupation for a CRNA, and the definition decides whether working in another nursing role ends the claim. |
| Occupation class for nurse anesthetists | The class each carrier assigns CRNAs, which drives the premium and which elections are open. | Carriers class nurse anesthetists differently, so the cheapest quote and the strongest contract are often not the same carrier. |
| Monthly benefit and issue limits | The largest benefit each carrier will issue at your income, and how the AANA plan or employer group coverage offsets it. | Sets how much of a CRNA income you can protect on top of coverage you already hold. |
| Mental and nervous benefit structure | How each contract limits mental health and substance-related claims for a nurse anesthetist. | All five majors limit a CRNA's mental and nervous claims to 24 months, so timing your application matters more here than carrier choice. |
| Residual and partial benefits | How each contract defines partial disability and when a reduced schedule starts a benefit. | A CRNA claim often begins with a lighter case load or reduced hours, and the residual trigger decides when payment starts. |
| Premium and premium structure | The quoted cost, whether the contract is noncancelable or guaranteed renewable, and which discounts apply. | The middle half of CRNA policies in our placed book ran roughly $225 to $430 a month as of the 2026 review, and identical prices can carry different guarantees. |
Our house ranking of the five carriers for nurse anesthetists, with the reasons behind the order, is in the best disability insurance for CRNAs guide.
Why CRNA quotes need the contract read beside the price
The five major carriers differ more for nurse anesthetists than for most occupations the agency quotes, and the differences sit in the core of the contract rather than at the margins. Not every carrier delivers a true own-occupation definition for a CRNA, so two quotes at similar premiums can promise very different things when a claim involves working in another nursing role. The definition each carrier applies to a nurse anesthetist is the first thing our comparison reads.
The mental health structure is the second. All five majors limit a CRNA's mental and nervous claims, including substance-related claims, to 24 months, and that cap is required rather than elective for the occupational group CRNAs share with anesthesiologists and emergency physicians. Since no carrier choice removes the cap, the lever a CRNA controls is timing, because mental and nervous conditions are also the most common exclusion category on CRNA policies. In our placement experience, applying before any history reaches the record is the most reliable way to keep those exclusions off the contract. What coverage costs by age is on the CRNA cost page, and how underwriting plays out is in the CRNA underwriting guide.
What our placed book shows
About 40% of CRNA policies in Seaworthy's 2026 audit of placed policies carry an exclusion or a rating, the highest rate among the professional groups we place, and mental and nervous conditions account for roughly half of those CRNA exclusions. The median age at issue for CRNAs in the book is 38, the oldest of the major groups, and the placed-book median cost runs about $49 per $1,000 of monthly benefit, nearly doubling between the under-30 cohort and buyers 50 and up. In our placement experience, applying earlier is the single strongest move a nurse anesthetist can make on both price and insurability. More on the occupation is on the CRNA disability insurance hub.
How the comparison works
Tell us five things
Income, state, gender, date of birth, and practice setting. Existing AANA or group coverage details help but are not required.
We run all five carriers
Quotes are run simultaneously against each carrier's nurse anesthetist class, with the definitions read beside the price.
You decide with the full picture
You receive the side-by-side comparison, usually within one business day. Nothing goes to a carrier until you choose to apply.
No fee, and no change to your price
Seaworthy is an independent brokerage. The agency is compensated by the carrier only when you decide to place coverage, so the comparison itself costs nothing, and the premium is identical whether you apply through Seaworthy or directly with the carrier.
Prefer to talk it through first? Call (800) 518-1190.
What our clients say
"Phenomenal experience working with the team. After a year or two with my insurance, they helped me negotiate a different rate and then handled the billing issues for me since we were halfway through a cycle. Would recommend, 10/10."
"I had a wonderful experience working with Phil. He was incredibly knowledgeable, patient, and responsive throughout the entire process of setting up my disability and life insurance. He took the time to explain all of my options, answered every question thoroughly, and made what could have been an overwhelming process feel straightforward and stress-free."
"Phil has been my broker for years and I make several referrals to him. He has kept our family well prepared."
CRNA quote questions
Is there a fee for a CRNA disability insurance quote comparison?
No. Seaworthy is compensated by the carrier when you choose to place coverage, so the comparison costs you nothing. The premium is the same whether you apply through Seaworthy or directly with the carrier, because commissions are built into the rates state insurance regulators approve.
Which carriers are included in a CRNA quote comparison?
Guardian, Principal, MassMutual, Ameritas, and The Standard. Not all five deliver true own-occupation for a nurse anesthetist, and surfacing that difference is a large part of what the comparison is for. When none of the five can cover a situation, the agency also has access to the Lloyd's of London surplus-lines market.
Do all carriers treat mental health coverage the same way for CRNAs?
On the benefit period, effectively yes. All five major carriers limit a CRNA's mental and nervous claims, including substance-related claims, to 24 months, because nurse anesthetists sit in the occupational group where that cap is required. What you can control is timing. Applying before any mental health history reaches the medical record gives underwriting nothing to exclude.
What information do you need to run CRNA quotes?
Your annual income, state, gender, date of birth, and practice setting. If you hold the AANA plan, employer group coverage, or an existing individual policy, include that, since carrier issue limits are applied net of coverage you already have.
I already have coverage through the AANA plan. Is a comparison still useful?
Usually, yes. Association and employer coverage is a base layer, and the comparison is sized around what you already hold. It also puts the association certificate's terms beside an individually owned policy so you can see how the two differ on definition, portability, and rate structure before deciding whether to add or replace anything.