Employer Sponsored Term Life Insurance

So you're considering taking the supplemental term life insurance offered by your employer this year. Why not? It's cheap and easy, right? Well, not so fast. While it may be a good deal for some, you may want to consider the following factors in your decision. Cost - This is usually the first consideration, and rightfully so. We all have other things we'd rather spend our hard-earned money on. And while the monthly payroll deduction may be enticing, it could end up costing you in the end. The reason? Take a look at the guy in the cubicle next to you. You know, the one who sneaks outside every 15 minutes or so for a quick cigarette and conveniently stops by the breakroom on every other trip for another Krispy Kreme donut. Well, chances are good that you are helping pay for his future hea