Relying solely on your employer's group life or disability insurance plan can leave you underinsured or with coverage gaps that may not meet your long-term needs. Group plans are often limited in coverage amounts, typically offering only one or two times your salary for life insurance or a percentage of your income for disability benefits. While this may seem sufficient, it may not fully protect your family if you have significant financial obligations such as a mortgage, education expenses for children, or long-term care needs. Additionally, group plans generally lack the flexibility to adjust coverage based on your evolving financial situation or family dynamics.

Another risk is that group insurance policies are tied to your employment, meaning that if you leave your job, get laid off, or retire, you may lose your coverage altogether. In some cases, you may have the option to convert the policy, but it often comes with higher premiums or limited benefits. Having an individual policy outside of your employer's plan ensures continuous protection, regardless of job changes, and can offer customizable coverage tailored to your specific needs and goals. This personalized approach to insurance provides a greater level of financial security and peace of mind for both you and your loved ones.

Life Gateway partners with over 40 of the nation’s top-rated life and disability insurance carriers. By leveraging our industry expertise and strong relationships with these A-rated providers, we can help you secure the most affordable and suitable coverage for your specific needs. Click here to request your complimentary quote and ensure you have the optimal protection in place.