How to Turn Temporary Work Coverage Into Lifelong Protection
Your group life insurance from work is a fantastic benefit — but it’s not designed to last your whole life.
The good news? You can turn that temporary coverage into permanent protection with a few smart moves.
Step 1: Understand Your Coverage
Most employer-sponsored life insurance is term life, which means:
It covers you only while you’re employed.
It has no cash value or savings component.
It ends when you leave the company, unless you convert or replace it.
Step 2: Plan Ahead
If you’re 45–60, now is the time to secure personal coverage while premiums are still reasonable. Consider:
Whole life insurance for lifetime coverage and cash value.
Term life insurance if you only need coverage for 10–20 years.
Supplemental policies you own personally, not through work.
Step 3: Don’t Rely on Just One Policy
Many people keep both — an employer policy for convenience and a personal one for long-term security. This ensures your family isn’t left without protection after retirement or a job change.
Final Thought:
Employer life insurance is a great bonus, but not a full plan. Build your personal safety net early — before job changes, health issues, or retirement make it harder to get covered.
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About Pivotal Life Insurance
Pivotal Life Insurance is a family owned, independent insurance agency that focuses on income protection and family security through Life Insurance products (Term Life, Whole Life, Final Expense, Pre-Need), Mortgage Protection and Annuities. With a range of product offerings, we accommodate the varying needs of our clients through resources provided by the nation’s top rated carriers. Although we are headquartered in South Florida with a branch in Maryland, we service most of the United States as our agents are licensed throughout the country. Pivotal Life Insurance is one of the fastest-growing agencies and we pride ourselves in putting you, our customers, first.
Insurance Is Pivotal. Cherish what’s important.
For more information or if you’d like to join the Pivotal family, visit www.insuranceispivotal.com or call at 561-412-5500.
