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

Individuals with mild, well-controlled asthma can possibly secure life insurance, especially when symptoms are managed, medical records are up to date, and a healthy lifestyle is maintained.

Life insurance isn’t just about a death benefit. Optional riders—like chronic illness, critical illness, and disability income protection—can provide financial support when you need it most. Learn how these riders work and which ones offer the most value.