Life insurance
Gen Z’s Life‑Insurance Gap: Premium Surge, Coverage Illusion, and Affordable Alternatives
Hook: A staggering 38% jump in employer-sponsored term-life premiums since 2021 means a typical 28-year-old now pays $115 a month for a $50,000 death benefit - a price tag that outpaces the benefit’s buying power by a full paycheck.1 As Gen Z climbs the career ladder, the