Why insurance?

Group insurance is typically more affordable than you think. Employers often leverage large group buying power to secure group rates, allowing you to buy large amounts of group insurance at a reasonable cost, which can cost less than many of life’s little luxuries. Buying insurance at work is also convenient, as employees often pay premiums through payroll deduction. Securian Financial offers the following products, which may be available through your employer:

Life insurance death benefit protection can ease the financial burden caused by an untimely loss.  Your beneficiaries can use their benefit to pay your final expenses, reduce debt, cover medical bills, or pay everyday living expenses.  Benefits can also help your loved ones maintain their lifestyle and help build their future - such as continuing a hobby, funding college education, saving for retirement, or donations to charities.

Accident and sickness insurance helps you and your family maintain financial security after an accident, illness or injury. These unexpected events can have a lasting financial impact.  

Benefits can be used anyway the insured wishes, such as to help cover expenses such as insurance deductibles or everyday living expenses.  Most coverage is available on a guaranteed basis - meaning you may not have to provide your health history information.  

It's never too early or too late to start thinking about insurance. Everyone’s situation is unique. Having the proper insurance plan in place is the best way to ensure your financial goals at every stage in your life. 

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.