09/03/2026
Your job may change. Your family’s need for protection doesn’t.
Life insurance through work is a great benefit—often inexpensive and a good place to start. But it’s worth knowing what happens down the road:
▪️ Will it leave when you do? Some policies can’t follow you when you change jobs, leave, or retire.
▪️ Will the price increase? Some workplace plans raise rates in five-year age bands. What’s inexpensive at 25 can cost considerably more later.
▪️ What if you wait? Shopping for your own policy in your 50s or 60s generally costs more—and changes in your health could affect your ability to qualify.
Owning your own policy gives you protection that isn’t tied to your employer. Getting it while you’re younger and healthy can also help you secure coverage with premiums guaranteed for the period you choose.
Keep the benefit through work. Just make sure it isn’t your family’s only plan.
Let’s review what you have and see whether adding your own policy makes sense.
