{"id":50,"date":"2026-10-07T16:00:00","date_gmt":"2026-10-07T16:00:00","guid":{"rendered":"https:\/\/www.networkth360.com\/blog\/?p=50"},"modified":"2026-10-07T16:00:00","modified_gmt":"2026-10-07T16:00:00","slug":"employer-life-insurance-may-not-be-enough","status":"publish","type":"post","link":"https:\/\/www.networkth360.com\/blog\/2026\/10\/07\/employer-life-insurance-may-not-be-enough\/","title":{"rendered":"Employer Life Insurance May Not Be Enough"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/jayesh-1\/employer-life-insurance-remotion-videos-69b4\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Many people trust their employer-provided life insurance, but is it truly enough to safeguard your loved ones\u2019 future? For instance, if you earn $70,000 a year and receive coverage at 2x your salary, that\u2019s $140,000\u2014an amount that can be quickly diminished by funeral costs, outstanding bills, and mortgage payments. The real need for income replacement can stretch over years, and that\u2019s why financial professionals often recommend a target of 10-12x your annual income to cover debts, childcare, and the loss of your earning power.<\/p>\n<p>It\u2019s also important to remember that workplace coverage is tied to your job. If you change employers, face a layoff, or retire, that protection may end\u2014and finding new coverage later can become more expensive or even out of reach. Even supplemental policies offered through work may not be portable and often become pricier as you age, increasing every five years. That\u2019s why considering a 20- or 30-year term policy early on can be a smart move. For example, a healthy 30-year-old could secure $500,000 of 20-year term coverage for about $25\u2013$30 per month.<\/p>\n<p>When planning for your family\u2019s future, start by subtracting any employer coverage from your 10-12x income goal. As part of our mission to educate and empower clients, we encourage you to assess your unique needs and ensure your loved ones are protected, no matter what life brings.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many people trust their employer-provided life insurance, but is it truly enough to safeguard your loved ones\u2019 future? For instance, if you earn $70,000 a year and receive coverage at 2x your salary, that\u2019s $140,000\u2014an amount that can be quickly diminished by funeral costs, outstanding bills, and mortgage payments. The real need for income replacement [&hellip;]<\/p>\n","protected":false},"author":463,"featured_media":51,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/users\/463"}],"replies":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":1,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":52,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions\/52"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media\/51"}],"wp:attachment":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}