06/15/2026
Employer Life Insurance is a Great Start. Here’s Why You Should Add Your Own 👔➡️🛡️
Your job may offer life insurance, and that’s a solid benefit. But relying on it alone can leave gaps:
It ends when your job does
Change jobs, retire, or get laid off? That coverage usually doesn’t follow you. A personal policy stays with you no matter where you work.
It’s often not enough
Most employer plans cover 1-2x your salary. Think about mortgage, debt, kids’ college, and future income. Most families need 10x salary or more.
You can’t control it
Your employer chooses the company and terms. With your own policy, you pick the amount, type, and length that fits your family.
It costs more later
Locking in a personal policy while you’re younger and healthy means lower rates. Waiting until you leave your job could mean higher costs or no coverage if health changes.
Employer coverage = foundation.
Personal coverage = protection you own.
Let’s review what you have and fill the gaps. Quick, easy, no pressure.
📍 Todd Loveday | Farm Bureau Insurance
804 S White St, Athens, TN
📞 423-717-2900
You protect your family at work. Let’s protect them for life.
