1. Life Insurance Plans (Graded)
A major concern for most employees is caring for their families in the event of the employee's death. Many employers provide life insurance for employees. Does your organization offer a group insurance policy? If so, what is the basic plan design of your organization's life insurance policy, and for how much are you covered?
2. Disability Plans (Graded)
In addition to replacing household income when an employee either retires or is no longer working, he or she may also carry some type of income-replacement plan in the event they become disabled. Does your current (or former) employer offer disability coverage for employees? What are the specifics of your coverage? Do you feel the need to purchase supplemental disability insurance? Why or why not?