How do I keep my life insurance coverage when I change jobs?

Don't count on your old employer's group life insurance following you — most of it disappears when you leave, which is why a job change is a classic moment for an accidental coverage gap. The reliable fix is to already own an individual term policy that stays in force regardless of employer; that way switching jobs has no effect on your family's protection. If you've been relying mainly on group coverage, buy an individual policy before you leave, ideally while you're still employed and your routine is stable. Some group plans offer conversion or portability options when you exit, but converted coverage is often expensive and limited, so compare it against fresh individual term quotes. Review your overall protection during any transition. A job change is also a good time to update beneficiaries and roll over your old 401(k). See wealthserene.com/for/job-change.