<img height="1" width="1" src="https://www.facebook.com/tr?id=733017103557200&amp;ev=PageView&amp;noscript=1">

Free estimate. Zero commitment.

My employer offers free life insurance. Is that enough?

If your job provides this benefit, it might seem like the easy choice. But here are a few things to consider:

icon-policy-limitations

Your employer might not offer the option to purchase additional coverage, and if they do, it might not be the best deal. If you think you need more than what your current plan provides, it’s best to start comparing other options — and find the right amount using this handy guide here.

icon-your-personal-situation

Life insurance is intended to replace your income in the event of an untimely death. Most employer-provided plans take a one-size-fits-all approach — and it might work just fine for some situations. But if you have a stay-at-home partner, a mortgage, debt, or a large family, you might need more than what your employer offers.

icon-job-loss-or-change

If you have employer-provided life insurance, chances are your policy will be affected by a job loss or change. This could leave you with gaps in coverage.

icon-your-partners-options

Life insurance for your partner is not always a part of benefits packages, even though things like health insurance usually are. Make sure to read all the details before you accept a job offer!

If you’re still wondering how much coverage you need, a good rule of thumb is to purchase a policy valued at ten times your annual salary. Check out this resource to learn more here.

Life insurance is an investment in your family’s future.

But many of us don’t get enough.


Calculate how much life insurance you need here.

$10K

Average cost of funerals1

30%

Percentage of families living in single-income households2

$208,185

Average mortgage balances3

You won’t need the money when you’re gone. But your loved ones will.

Low, flat premiums icon
LOW, FLAT PREMIUMS

that don't change during your initial term.

Additional coverage options icon
ADDITIONAL COVERAGE OPTIONS

you can add on to your employer-provided coverage.

Coverage and term options icon
COVERAGE AND TERM OPTIONS

from $50k to $250k and 10 to 30 years.

Upgrade to permanent life insurance icons
UPGRADE TO PERMANENT LIFE INSURANCE

up to 5 years before your initial policy ends.

Streamlined approval process icon
STREAMLINED APPROVAL PROCESS

with no additional hurdles.

Backed by Protective icon
BACKED BY PROTECTIVE

helping families protect their loved ones for 110+ years.

Customize your term life policy to meet your needs as life unfolds.

WAIVER OF PREMIUM
LEARN MORE
WAIVER OF PREMIUM

Premium waivers can be issued from ages 18 to 55 ‐ payable if you’re unable to work for two years following disability, and any occupation insured is reasonably suited for thereafter. Subject to terms and conditions.

ACCIDENTAL DEATH
LEARN MORE
ACCIDENTAL DEATH

Add on additional coverage for accidental death. Your maximum is the lesser of the face amount of your base policy and $250,000. Issue ages are from 18 to 60.

CHILDREN'S TERM LIFE INSURANCE
LEARN MORE
CHILDREN'S TERM LIFE INSURANCE

Your kids can get coverage too, with policies ranging from $1,000 to $25,000. Base insured issue ages from 18 to 64.

ACCELERATED DEATH BENEFIT
LEARN MORE
ACCELERATED DEATH BENEFIT

Included at no extra charge (unless you decline when you apply). Elect up to 85% (97% in FL and NY) of death benefit ($250K maximum) if you have a terminal condition with less than 24 months (12 in FL and NY) to live. Death benefit remaining after benefit payment must be at least 10%.

Provide for their future. At a rate that lets you live your fullest today.

Save up to 31% on coverage vs. the competition.*

  Our Rate Farmers Insurance
Male, 40 years old $22.05* $26.35*
Female, 40 years old $17.64* $23.18*

 

*Savings calculated based on a comparison of like plans from Kasasa powered by Protective(R) and Farmers Insurance in June 2020. Plan prices compared were of a monthly premium based on a $100K simplified-issue term life insurance plan with a 10-year term for a 40-year-old male and female in excellent health as of June 2020.

Find the right amount for your L·I·F·E.

L

Loans and liabilities

I

Income replacement

F

Funeral expenses

E

Education/ estate planning


Take your L·I·F·E total and subtract your current assets and savings to find the total coverage amount you need.

We're proud to partner with Protective, protecting families for 110+ years.

Kasasa and Protective work together to bring you flexible life insurance you can count on when it matters most, with savings that help you live better.


For more than a century, Protective has helped families protect their financial futures through dependable, affordable insurance. Protecting your tomorrow, so you can embrace today. Find true coverage, trusted for generations.

Have more questions?

Check out our FAQs here.

Powered by:

Kasasa Care partner Protective logo