When employers hire a new worker, the cost to bring them on board can be expensive. Although the employee sees his paycheck as the net result of his daily efforts, there are more costs associated to hiring than what meets the eye.

What weve got here is failure to communicate" Its more than just a legendary line from a classic Paul Newman film. It seems to still be a (sad) way of life at employers across the country. And its costing employees dearly in terms of both time and money.

Life insurance ownership is at a 50-year lowyet half of Americans recognize that they have a need for insurance.