Does My Employer Have to Provide Life Insurance?

People live in Clovis, NM, for a number of reasons. Cost of living is low. There’s none of that urban sprawl and hassle. The desert air is great and the sunsets are unbeatable. Life in the area can be pretty laid back, and as a result many residents don’t always take a proactive stance on things like life insurance. You know you need it, but you might not know the best way to get it. General Insurance Agency has the answers you seek.

It Depends on the State

New Mexico is among many right to work states. That comes with its own set of pros and cons. The good news is that you can leave any job at any time for any reason. You can also take any job offered to you. On the other hand, employers have that same freedom. They can fire any employee for no reason at all. They also aren’t obligated by the state to provide benefits. New Mexico law makes no guarantees for retirement, health insurance or life insurance. The first two on that list are partially covered by federal law, but life insurance is not. Your job in Clovis, NM, might include life insurance, but it doesn’t have to.

Staying Protected

Life insurance is a bit of a problem for New Mexico residents. It’s one of the states with the lowest levels of coverage, and many New Mexicans suffer as a result. If your company doesn’t provide life insurance, you still need a policy. Thankfully, seeking out your own solution isn’t terribly difficult. Depending on your situation, you may be able to lock into an extremely affordable policy that lasts for the rest of your life.

Your policy won’t magically appear. You will have to put in a little effort. General Insurance Agency is here to make it as easy as possible. Make a phone call and see what policies are available. You can be covered with less trouble than you think.