On average, just 15 percent ofthose with only group life insurance have the recommended level ofcoverage, compared to 32 percent of those who own individualpolicies purchased outside the workplace.(Image:Shutterstock)

Workers might have life insurance policies, but the coverage isoften not enough, according to Guardian Life's report, "Protecting Those We Love: The Role of LifeInsurance in Financial Wellness."

Guardian Life surveyed 2,000 employees and 1,500 employeebenefits decision-makers, and found that while the vast majority ofworkers say it's important for a family's primary wage earner toown life insurance, more than 60 percent have either no lifeinsurance or less than industry-recommended coverage amounts.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.

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