Should you be purchasing a separate life insurance plan on top of your employer-provided plan?

Receiving life insurance from your job is convenient.  This does not necessarily mean it is a great plan. Look into exactly what kind of plan you are receiving and if it is enough for you and your family.

Basic employer-provided life insurance is usually low cost or free.  This gives you a chance to buy additional coverage at low rates.  Experts recommend up to ten to twelve times your salary.  If you are someone who has a spouse that relies on your income salary, you have a hefty mortgage, a large family, or a special needs individual, you may need to think about purchasing life insurance on top of or in place of the life insurance you receive from your job.

If your job provides life insurance for you, you must think about the “what if’s”.  As with health insurance, if you are laid off from a job, you will lose your life insurance coverage as well.  If you are at a job that you do not believe is concrete, you should really think about purchasing life insurance elsewhere.

Purchasing life insurance from the market will guarantee a more personalized plan. Cosmo Insurance Agency has professionals who are educated on life insurance plans.  We are passionate about providing life insurance plans that suit every client’s specific needs.  Contact Cosmo Insurance Agency for a quote. 732-363-3888.

Posted 11:00 AM

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