Group Insurance pools healthy and unhealthy people. Group Insurance rates are, therefore, cheaper only if you're uninsurable or if the employer pays all or part of the premium.

Before buying optional coverage at work, compare the coverage with what the open market has to offer. Chances are you will do as well or better on your own. Plus you can keep the policy when you leave the job.

> Visit the Insurance for Dummies website.

From Insurance for Dummies © 2001 by Wiley Publishing, Inc. © 2000 Text and Author Created Materials Copyright Jack Hungelmann. Used by arrangement with John Wiley & Sons, Inc.

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