Employer-provided life insurance is a valuable benefit, offering a basic level of financial protection for your loved ones. However, in many cases, the coverage amount may fall short of what your family would need to cover major expenses like a mortgage, outstanding debts, or daily living costs.

Additionally, workplace policies often have limitations — and they may not follow you if you change jobs. That’s why it’s wise to consider a personal life insurance policy to supplement your employer coverage and ensure your family is fully protected, no matter what the future holds.

Guaranteed-Issued offers a variety of life insurance products, but most of our clients choose one of two options:

Term Life Insurance

• Coverage for a set period (10, 20, or 30 years)
• Affordable premiums and simplicity
• Ideal for key financial protection years
• Often renewable at term end

Final Expense Insurance

• Covers funeral and burial costs
• Easier to qualify for
• Peace of mind for your loved ones
• Reduces end-of-life financial burden

The amount of life insurance you need depends on your unique financial situation. There’s no one-size-fits-all answer — it varies from person to person.

A common way to estimate your coverage needs is by adding up:

• Your outstanding debts (like a mortgage or loans)
• Your income (to help replace lost earnings)
• Final expenses (such as funeral and burial costs)
• Any additional financial responsibilities (like education costs or childcare)

This total gives you a rough idea of the coverage needed to help your family maintain financial stability and avoid hardship in your absence.