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As of 2018, 40% of Americans had no life insurance and of those who did, 20% said their coverage wasn’t enough.1 In other words, over half of American families have either inadequate life insurance coverage or none at all. Your life insurance needs will change based on your responsibilities and overall financial picture, but most Americans need some level of coverage. There’s no time better than now to secure coverage.
Ayco coaches receive many questions about life insurance. After all, it’s not something most people learn about in school or want to think about. Here are some of the most common questions and concerns covered during one-on-one coaching sessions about life insurance.
An Ayco coach can work with you to help you determine how much your family may need, how much of that need is met by the coverage you already have through your employer or elsewhere and whether you might need more—or perhaps less!—coverage to meet those needs.
Learn more about how to determine how much life insurance you need and the different types of life insurance available in What you need to know about life insurance.
Traditionally, buying life insurance has been cumbersome and sometimes uncomfortable. But you do have options for support when considering and purchasing life insurance—like Ayco Protect. Protect offers a fully digital experience where you can learn about, compare, apply for and purchase new term insurance, sometimes without leaving your home.2
After answering some basic questions about your current circumstances and needs, Protect generates a curated list of insurance products allowing you to compare product features and obtain coverage based on your unique situation.
Ayco partners with highly-rated life insurance carriers, after a thorough vetting process, to provide access to quality options at competitive rates.
You’ll be guided step-by-step through the application and kept informed with status updates throughout the approval process. Most importantly, you won’t be inundated with spam emails from providers. We only share your information with the provider you select when you purchase a policy.
Assistance from a licensed life insurance agent is available at any point in the process.
Protect helps you:
2 Protect is only available to employees of companies that partner with Ayco and have elected to offer access to the tool.
If you have Ayco as a company benefit, register or log in to learn more about this and other financial wellness topics. If you’re not sure whether your company offers Ayco Financial Counseling, contact your human resources representative.
By Brandon Ross
Insights from Ayco InnerCircle 2021