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FamilyMany individuals have life insurance through their jobs. If you have a life insurance policy through your job, you should just consider it to be a supplemental life insurance plan and purchase your own life insurance policy.

Employer-Sponsored Life Insurance Polices Offer Basic Coverage

Most employer-sponsored life insurance policies only offer you basic coverage. The coverage amount your family would receive is generally only equivalent to about a year's worth of your salary.

You want a lot more coverage than that for your family. You want your life insurance policy to be capable of paying off all your debts. You also want your life insurance policy to be capable of replacing your income for your family for at least a few years. Plus, if you have young children, you want your life insurance policy to provide for future expenses for them, such as college tuition.

If your employer's life insurance policy will not cover all of the items listed above, you need to get your own life insurance policy for optimal coverage.

Not Getting a Life Insurance Policy Now Could Cost You Down the Line

Not getting your own life insurance policy now because you have a policy through your job could cost you down the line. Life insurance policy costs are generally based on your age and your health. As you age, your life insurance policy costs will go up. If you develop any health issues, you will have to pay even more for a good life insurance policy.

If your employer-sponsored life insurance policy does not provide you with the coverage you need, it is better to act sooner, when you are in good health. Each year that you wait will cost you money in the long run.

Your Employer-Sponsored Life Insurance Policy Will End With Your Job

The most important reason why you should get your own life insurance policy is, if you lose your job for any reason, you will also lose your life insurance. Your life insurance with your employer is tied to your employment.

When you get your own life insurance policy, your life insurance policy is not connected to your job. If you lose or change your job, you will still have the life insurance you need. That is why you should contact an independent insurance agent today and discuss getting the life insurance you need, at a price you can afford.

Protect your family with full coverage. Call Corbett & Associates Insurance Agency at (805) 496-1424 for more information on Agoura life insurance.
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