09/29/2026
Your workplace insurance is a safety net for your employer, not really for you.
The moment you’re laid off, fired, or quit, your life and disability coverage through work disappears. No transition period, just gone.
Waiting to buy your own later gets expensive fast. Premiums climb with age, and if you develop a health condition while you’re covered at work, high blood pressure, back issues, whatever it is, a private insurer can charge you more or turn you down entirely.
A small private policy while you’re young and healthy is yours, not your employer’s. It goes with you no matter who signs your paycheck.
Don’t know where to start? Reach out and let’s talk through what actually makes sense for you.