Why Your Work’s Group Life Insurance Isn’t Enough – Switch to Private Term Today!

Published by ken.luckinbill on

If you’re relying on your employer’s group life insurance to protect your family’s future, you might be taking a bigger risk than you think. In my latest YouTube Short, I explain why group life insurance often falls short—and why private term life insurance could be a smarter, more affordable choice.

Group plans are convenient, but they’re tied to your job. If you leave, retire, or switch roles, you could lose your coverage or face steep costs to keep it. Plus, the coverage is typically limited to 1-2 times your salary, which may not be enough to cover your family’s needs. Private term life insurance, on the other hand, offers flexibility and security: lock in a fixed rate for 20 or 30 years, take it with you no matter where you work, and customize it to fit your unique situation.

Watch the video to learn more about making the switch, and let’s ensure your family is protected—no matter what your career brings. Ready to explore your options? I’m Ken Luckinbill, a financial advisor here to help. Book a free consultation with me today at calendly.com/ken-luckinbill-bfm/initial-consultation and let’s find the right private term policy for you!

Categories: Insurance

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