Life insurance is something we all need. Deep down, we know we need it, but it's the last thing we want to think about. In fact, 34 percent of people know they need more life insurance, but many view the decision as overwhelming. 

The life insurance landscape can be confusing to navigate. Clients may not know which plans are the best to offer, and even when they have access through the worksite, employees may not know what life coverage they need. In fact, a LIMRA study revealed that 38 percent of respondents did not know what type or amount of life insurance to buy. While this may not be a surprise to some, it nonetheless presents advisers with a great opportunity to walk clients through the various life insurance options to ensure they provide their employees with the best coverage options for their lifestyle. Below are three staple group life insurance products that benefits advisers can review with clients to increase understanding and help them figure out which options provide the most adequate protection for their employees. 

Group term life