Families are financially ill-equipped to maintain their standard of living should a primary income-earner die prematurely.

Voluntary critical illness sales almost doubled in 2009 as compared to 2008, according to Eastbridge Consulting Group's annual U.S. Worksite Sales Report.

It's not just a matter of raising rates or capping costs - consumers have a part to play, too.

47 percent of employees use Facebook daily or weekly for personal reasons; 7 percent use it for business.