Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a ...

Voluntary life insurance and accidental death and dismemberment (AD&D) policies are offered to employees as part of a company's benefits plan, and you can typically purchase coverage for yourself, ...