Liz Weston

And you mentioned when people are older and less healthy, group insurance can be a better deal. It sounds like the flip side of that is if you are younger and healthier than your average coworker, you might be able to get a better deal on your own.

And you mentioned when people are older and less healthy, group insurance can be a better deal. It sounds like the flip side of that is if you are younger and healthier than your average coworker, you might be able to get a better deal on your own.

Now, let's say you bought these policies and you're covered when you die. Is there anything that can happen that could keep your loved ones from getting a payout?

Now, let's say you bought these policies and you're covered when you die. Is there anything that can happen that could keep your loved ones from getting a payout?

Now, let's say you bought these policies and you're covered when you die. Is there anything that can happen that could keep your loved ones from getting a payout?

If you're contemplating getting more life insurance and you're automatically offered, how do you decide between going for a supplement through your employer or getting outside insurance? What are the upsides and downsides of these options?

If you're contemplating getting more life insurance and you're automatically offered, how do you decide between going for a supplement through your employer or getting outside insurance? What are the upsides and downsides of these options?

If you're contemplating getting more life insurance and you're automatically offered, how do you decide between going for a supplement through your employer or getting outside insurance? What are the upsides and downsides of these options?

All right. Well, I feel like we have a good handle on life insurance. So let's move on to another aspect of employer benefit plans. And this one has a much grimmer name. It's called accidental death or dismemberment insurance. So how does this work and who should consider it?

All right. Well, I feel like we have a good handle on life insurance. So let's move on to another aspect of employer benefit plans. And this one has a much grimmer name. It's called accidental death or dismemberment insurance. So how does this work and who should consider it?

All right. Well, I feel like we have a good handle on life insurance. So let's move on to another aspect of employer benefit plans. And this one has a much grimmer name. It's called accidental death or dismemberment insurance. So how does this work and who should consider it?

And what would make you or your survivors ineligible for the benefit? We talked about life insurance exclusions, and I assume they're similar here?

And what would make you or your survivors ineligible for the benefit? We talked about life insurance exclusions, and I assume they're similar here?

And what would make you or your survivors ineligible for the benefit? We talked about life insurance exclusions, and I assume they're similar here?

That sounds like a lot of restrictions. Is this actually a substitute for life insurance?

That sounds like a lot of restrictions. Is this actually a substitute for life insurance?

That sounds like a lot of restrictions. Is this actually a substitute for life insurance?

Ryan, you've given us so much great information. Thank you for taking the time to talk with us about these issues today.

Ryan, you've given us so much great information. Thank you for taking the time to talk with us about these issues today.

Ryan, you've given us so much great information. Thank you for taking the time to talk with us about these issues today.