The bottom line The answer to “what happens to work coverage when i leave” depends on the benefit: employer life insurance follows the group plan’s eligibility rules, while health insurance may continue temporarily through COBRA or move to a Marketplace plan. Check the plan documents before your last day, and arrange replacement life coverage before … Read more

The bottom line How business valuation sets insurance amount starts with the obligation you want the policy to fund. A buy-sell agreement may point to the value of an owner’s share, while family protection may require a separate calculation. Use a current, documented valuation, then review the policy with your legal and tax advisers. How … Read more

The bottom line Should remote workers keep employer group coverage? Usually, yes as low-cost supplemental protection, but it should not be your only policy because employment-linked coverage can end or change when you leave. Check the plan’s benefit amount, cost, portability, and conversion terms before deciding. Working from home does not make employer life insurance … Read more

The bottom line Why workplace coverage may not follow you is straightforward: employer life insurance is tied to an employer’s group plan, so eligibility can end when employment ends. Portability or conversion may help, but plan terms and deadlines vary. Review your certificate, ask HR for the exact options, and consider coverage you own before … Read more