Changing Jobs
Understand what happens to healthcare, life insurance, disability coverage, retirement benefits, and other workplace protections when employment changes.
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Life changes
Life changes. We're here for what's next.
You don't need to know which insurance product you need. Start with what's changing in your life, work, or household, and we'll help you understand the benefits, coverage, and decisions that may deserve attention.
01
Changes at Work
Employment changes can affect healthcare, protection, and retirement benefits at the same time.
Losing Workplace Coverage
Explore continuation and personal coverage options when employer-sponsored benefits end.
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Working Part-Time or Seasonally
Explore personal solutions when you're not eligible for traditional workplace benefits.
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Retiring
Coordinate the transition from workplace benefits across Medicare, healthcare, retirement, and legacy needs. For the transition happening now.
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02
Changes at Home
Family, health, and caregiving changes can shift what the household needs and who it protects.
Growing Your Family
Marriage, birth, adoption, and changing household protection needs.
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Caring for Someone You Love
Consider healthcare, protection, long-term-care, and household needs when caregiving responsibilities change.
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Experiencing Illness or Injury
Understand existing benefits and consider how healthcare, income protection, and household needs may be affected.
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Losing a Loved One
Navigate benefit continuity, insurance considerations, beneficiary preparedness, financial accounts, and relationships that may need attention.
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03
Planning What's Next
Some changes can be prepared for well before they happen — often the best time to look.
Approaching Medicare
Understand Medicare timing, employer coverage interaction, and available coverage options.
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Preparing for Retirement
Consider healthcare, retirement income, protection, and legacy before the actual retirement event — while there is still time to act.
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Planning Your Legacy
Review life insurance, beneficiary preparedness across financial accounts, household continuity, and the broader legacy plan.
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Connected impact
One life change can affect more than one benefit.
That's why we start with what's changing — not with a product.
Example: changing jobs
Healthcare
What happens to medical coverage?
Protection
What happens to workplace life and disability insurance?
Retirement
What decisions may need attention?
Household
Does the change affect coverage or protection for anyone else?
Legacy
Do beneficiaries, accounts, or existing plans need attention?
Start with what exists
A life change doesn't always mean you need new insurance.
Sometimes the first step is understanding the benefits and coverage you already have. When appropriate, we'll help you consider existing workplace options before exploring personal insurance solutions.
Sometimes the right solution is already available through work.
Household approach
When life changes for one person, it can change things for everyone.
We look beyond the immediate event to help members and families understand the broader picture.
A retirement
May mean Medicare for one spouse and individual healthcare for another.
A new child
May affect healthcare, life insurance, and beneficiary decisions.
A death
May affect insurance benefits, financial accounts, beneficiaries, and the household's ongoing protection.
Financial Relationship Manager
You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.
Keep going
Where to look next.
Understand the solutions involved, read the education behind them, or see how organizations support people through the same changes.
Tell us what’s changing.
We’ll help you understand what may need attention and where to start.