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What do people fear more than death? The popular answer is public speaking, but a recent report gives a different response: lots of things. When asked their level of fear about 88 fears across topics such as crime, government, disasters, personal anxieties and technology, only 19 percent of Americans listed “dying.”1

We’re not particularly scared of death, yet we’re still uncomfortable talking about life insurance. It can be a difficult conversation, but it’s one that’s worthwhile, because life insurance helps protect the financial future of your loved ones.

What is voluntary life insurance?

dollarVoluntary insurance helps people cope with the out-of-pocket costs associated with injury, illness and death. Voluntary products are optional benefits that employers may choose to offer to employees, who usually pay the premiums.

There are two types of life insurance:

  • Term life offers a level ofprotection employees canchoose for a specified length oftime, such as 10, 20 or 30 years.
  • Whole life helps provide a lifetimeof security and financial protection.It builds cash value and paysbenefits to help with final expenses.

Why consider offering it?

Employers can strengthen their benefits packages and provide additional support and protection for employees by offering life insurance. And the policies could benefit and appeal to more employees than one might think.

Generally, a person buys life insurance to provide:


  • Financial security for a spouse and children,
  • Money for the future education of children, or
  • Added income for retirement of the surviving spouse because savings, social securityand pensions are often no longer sufficient.

Unlike life insurance for adults, juvenile life insurance is not designed to protect against loss of income. With youth and health statistically on their side, children are typically easier to insure at competitive rates. That competitive coverage will already be in place if the child should later develop health issues that could affect future insurability. Parents and grandparents who buy life insurance for children are creating a base of coverage that may be even more valuable when the child becomes an adult.

Work-Forces-ReportAccording to the 2017 Aflac WorkForces Report, businesses that offer voluntary life insurance are in good company: 65 percent of employers offer life insurance to their employees. Voluntary insurance is more likely to be offered at companies that say they’re growing (62 percent) than those that say they’re maintaining (34 percent) or declining (3 percent).2

Why do workers need it?

walletIn the unfortunate event of a death in the family, millions of Americans would quickly feel the loss of not just their loved ones, but also their loved ones’ incomes.

Among households with children under 18, 4 in 10 say they would be in immediate financial trouble if a primary wage earner died today. Overall, 7 in 10 of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died.3

Why benefits are important

Most business owners understand that a strong benefits package is important for recruiting and retaining employees, and the Aflac WorkForces Report gives insight into just how important:3

  • Seventy-seven percent of employees said an overall benefits package is at least somewhat important in the decision to leave their current employer.
  • Fifty-eight percent said they’re at least somewhat likely to take a job with slightly lower pay but more robust benefits.

So, consider boosting your benefits while helping workers answer the question: How would financial matters be handled in my absence? Life insurance is the solution that can give employers a competitive edge and helps provide employees peace of mind and financial protection.