If you chose c, you're not like most Americans. Recent economicstress has driven life insurance ownership to very low levels, says Todd Katz, executive vice president forinsurance products at New York-based MetLife. According to a recentMetLife study of employee benefit trends, 30 percent of Americanhouseholds have no life insurance coverage at all, and the averageU.S. household owns enough life insurance to replace just 3.6 yearsof income.

“The economic downturn has definitely put more challenge in ourbusiness,” agrees Pat Murphy, president and general manager forlife and disability products at WellPoint, based inIndianapolis.

Stressed companies move prices higher

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