The Greek philosopher Aristotle once said, “The ideal man bearsthe accidents of life with dignity and grace, making the best ofcircumstances.” Today’s insurance experts might add that it’seasier to make the best of circumstances when backed up byvoluntary insurance.

But what type of voluntary insurance? That depends. Somevoluntary products are appropriate for all workers, but the needfor others varies by career stages and lifestyles. Let’s take aquick look at new, middle-career and home-stretch workers to seewhat types of voluntary insurance they need and why.

New workers

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