Life insurance is the employee benefit nobody manages because nobody has to; there’s no copay, no prescription pickup, and no appointment reminder to make it visible. That invisibility pushes it to the back of every benefits conversation, leaving a benefit that protects families on the worst day of their lives as the one nobody thinks about. Employer life insurance functions like a smoke alarm: its value is measured by what happens the one time it activates, not by how often it comes up. But the gaps that accumulate when no one reviews it are real — outdated beneficiary designations, coverage amounts that haven’t kept pace with mortgages and dependents, supplemental options no one knew they could access, and portability rights that disappear unnoticed when employees change jobs. Most of this traces back to a communication problem, not a coverage problem. Employees who checked a box during onboarding and never heard about it again treat it as fine print. Consistent communication throughout the year — annual beneficiary reminders, qualifying life event prompts, and clear explanations of supplemental rates — costs little and changes how employees understand and value the benefit. The most meaningful benefits aren’t always the ones used every week. They’re the ones that protect families when employees are no longer around to do it themselves.
source: https://thebenefitdoctor.com/life-insurance-might-be-your-most-overlooked-benefit/
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