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Why Workplace Policies Don’t Cover Your Kids the Right Way

  • Writer: Nikita Dates
    Nikita Dates
  • Dec 6, 2025
  • 1 min read

Most employers do not offer full coverage for dependents. And when they do, the benefit is usually extremely small — often $10,000 or less.

Children deserve more than a bare-minimum policy. A personal whole life policy can build cash value, protect their future, and stay with them for life.

Your child’s future shouldn’t depend on your employer’s budget.


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