{"id":379,"date":"2018-12-27T03:00:00","date_gmt":"2018-12-27T15:00:00","guid":{"rendered":"https:\/\/www.crosscreekinsurance.com\/blog\/?p=379"},"modified":"2018-12-27T15:51:08","modified_gmt":"2018-12-27T21:51:08","slug":"do-i-need-another-life-insurance-policy-if-i-have-one-through-work-already","status":"publish","type":"post","link":"https:\/\/www.crosscreekinsurance.com\/blog\/do-i-need-another-life-insurance-policy-if-i-have-one-through-work-already\/","title":{"rendered":"Do I need another life insurance policy if I have one through work already?"},"content":{"rendered":"

Advantages of Employee Insurance<\/h3>\n

If you live in Hope Hills, NC, you know you have a great community that you can count on. You probably got a life insurance policy through your employer when you were signing up for health insurance, and you probably got a great deal. Employer life insurance plans get group discounts and are often at least partly funded by the employer, as an added benefit for working there.<\/p>\n

Another great thing about your life insurance policy through your employer is that you probably didn’t have to qualify or take a medical exam. Your employer wants to take care of you, so you can usually get the best deal through them.<\/p>\n

So Why Buy a Private Policy?<\/h3>\n

There are good reasons you should get another policy through Cross Creek Insurance, though.  You need to carefully consider these factors because taking advantage early is important.<\/p>\n

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  1. If you lose your job, you will also lose your life insurance coverage. Even if they let you take your policy with you, it will probably be very expensive.<\/li>\n
  2. There may be other limitations for when coverage ends. For instance, you may not be able to retire at a certain age, but the life insurance through your employer may not be available after that.<\/li>\n
  3. Your employer might decide to cut that benefit. While it would see unfair, it may be well within their rights.<\/li>\n
  4. The policies offered through an employer are usually very specific and limited. They typically only offer a death benefit and don’t have options for turning your policy into an asset unto itself. Your work policies might also not offer as much coverage as you need.<\/li>\n<\/ol>\n

    We at Cross Creek Insurance work to help the people of Hope Hills, NC make sure they have life insurance coverage tailored to their individual needs. The earlier you sign up for a policy, the more benefit you can get from it. If you have any questions, please call us today.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Advantages of Employee Insurance If you live in Hope Hills, NC, you know you have a great community that you can count on. You probably got a life insurance policy through your employer when you were signing up for health insurance, and you probably got a great deal. Employer life insurance plans get group discounts and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[145,146],"class_list":["post-379","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-cross-creek-insurance","tag-hope-hills-nc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t