Common Life Insurance Mistakes Ohio Families Make

Relying only on work coverage. Group life through an employer usually caps at one or two times salary and disappears if you change jobs. It is a nice extra, not a plan.

Buying too little. Ten times your income is a rough starting point, but most Ohio families with a mortgage and kids need more once you add up real costs.

Waiting for the perfect time. Rates go up every year, and a health event can push you into a higher class or out of eligibility for the best pricing.

Never updating beneficiaries. Marriage, divorce, a new baby, or a death in the family all warrant a five minute check that the payout will land where you intend.

Cancelling an old policy before the new one is in force. Always have the new coverage approved and active before dropping anything you already have.