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How To Choose Between Term Life Insurance Through Work Or On Your Own

By Lacie Glover Your employer offers term life insurance, so you don't need to shop around for a different policy, right? Not so fast. After you review your employer's life insurance offerings during the annual open enrollment period, you get to decide if a policy works for you -- and that choice is highly individual. Sixty-five percent of workers who buy life insurance through work say they need more coverage than offered by their employers, according to studies by industry group LIMRA.
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