Employer-provided life insurance is helpful but limited. It’s best seen as supplemental, with personal policies serving as primary protection.

Life insurance protects wealth, offers financial security, and supports long-term estate planning.

Term life insurance provides temporary coverage, but permanent life insurance offers lifetime protection with flexible policy features and cash value access.

Receiving a rated life insurance policy doesn’t mean you’re out of options. With the right strategy—and the right agent—you can often find better coverage, lower premiums, or improved terms. Don’t settle for the first offer; explore your options and make informed decisions that protect your financial future.