Life insurance isn’t one-size-fits-all. Your needs change as you move from starting out in your 20s to planning your legacy later in life. Learn how the right coverage can protect what matters most at every stage.

Group-term life insurance is an affordable, employer-sponsored benefit that often requires no medical exam and can boost employee appreciation. Employers get tax deductions, while employees receive low-cost or free coverage (tax-free up to $50,000). Plans must follow IRS rules, and employers should educate staff and remind them to update beneficiary information.