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Skipping coverage might feel harmless… until it isn’t.
1. Immediate Financial Pressure on Loved Ones
Funeral costs, medical bills, and unpaid debts can hit your family all at once. Without a policy, those expenses may fall on them. Learn more about why relying only on employer life insurance is risky.
2. Long-Term Struggles
Lost income means your family may struggle to stay in your home, keep up with bills, or pay for education. If you’re concerned about affordability, see Can I afford life insurance? — it may cost less than you think.
3. Missed Opportunity for Peace of Mind
Life insurance doesn’t just protect — it brings confidence that your family will be okay, no matter what. You can even buy life insurance online to secure coverage quickly and easily.
4. The Big Picture
The real cost of skipping coverage isn’t measured in dollars, but in the stress and hardship your family might face. For a deeper dive into how underwriters make decisions, read the Ultimate Guide to Life Insurance Approval.
Bottom Line
Your employer’s plan or skipping coverage altogether leaves gaps that may put your family at risk. A personal life insurance policy is what provides true long-term protection.
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