BUYING GUIDE FOR WORKING PROFESSIONALSBUYING GUIDE FOR WORKING PROFESSIONALS
Protect your incomeProtect your income
Coverage that can help while you're alive.
WHY IT MATTERS
Coverage that moves with your career
Unlike group benefits that end when you change jobs, personal term life insurance stays with you — and Living Benefits protect you even while you're working.
Go beyond work benefits
Employer group life typically covers 1–2× your salary. A personal policy closes that gap and stays with you if you leave your job, change careers, or start a business.
Protect income & bills
Your income is your most valuable asset. A policy sized to your income ensures rent, loans, and lifestyle expenses are covered for your dependents.
Help during a serious illness
Living Benefits may allow you to access part of your death benefit early if you're diagnosed with a qualifying illness — protecting your income even before a claim.
THE CLEAR DIFFERENCE
Personal coverage vs. employer group life
Employer life insurance is a benefit, not a strategy. Here's how personal term life stacks up.
Term Life with
Living Benefits
Employer Group Life
HOW IT WORKS
Simple steps when life changes
If a qualifying illness happens, Living Benefits may help you access part of your coverage early.
Choose coverage
Apply
Qualify for Living Benefits
Access support if needed
Choose coverage
Apply
Qualify for Living Benefits
Access support if needed
COVERAGE IDEAS
How much coverage do working professionals typically need?
Coverage needs scale with income, debt, and dependents. These are common starting ranges for professionals.
Typical coverage
$750K
Single income, renter, no dependents yet
$1.0M
$120K income, $300K mortgage, one dependent
$1.5M
$180K income, family with children
Frequently asked questions
For most professionals, no. Employer group life insurance typically provides 1–2× your annual salary. Financial planners generally recommend 10–12× your income to properly replace your earning potential and cover debt and family expenses.
Personal term life insurance is yours regardless of where you work. Employer group life ends when your employment ends — often right when a career transition makes things financially stressful.
If you're diagnosed with a qualifying critical, chronic, or terminal illness, Living Benefits may allow you to access a portion of your death benefit early. This is not disability insurance, but it can provide meaningful financial relief during a serious illness.
The best time to get personal life insurance is when you're young and healthy — premiums are at their lowest. Locking in a rate now protects you from future premium increases if your health changes.
Start with protection that moves with your career.
Compare top-rated carriers and see how much coverage you can get — in minutes, no obligation.