Older workers may still need life insurance
Older Americans are working longer or least plan to work longer than ever before. The reasons, of course, vary. Some need to work, while others want to keep working, and some do so out of want and need. No matter the reason, experts say older workers should re-evaluate whether they have enough life insurance while they are employed and plug any gaps in their risk-management plan. "If seniors are planning to continue working because they need the income, and not just to stay active, then they should be protecting against the possible loss of that income during this time period," says Walter Zultowski, a principal of WZ Research + Consulting, a market research and consulting firm specializing in the life insurance and financial services industries based in West Granby, Conn. "This is especially true if these seniors primarily owned term which may now be expiring, and/or have reduced group life benefits due to a job change or reduced benefits from their employer."
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