{"id":525035,"date":"2024-07-10T07:57:16","date_gmt":"2024-07-10T07:57:16","guid":{"rendered":"https:\/\/www.capgemini.com\/mx-es\/?p=525035&#038;preview=true&#038;preview_id=525035"},"modified":"2025-04-03T17:30:47","modified_gmt":"2025-04-03T17:30:47","slug":"closing-the-generational-life-insurance-gap-with-education","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/mx-es\/insights\/expert-perspectives\/closing-the-generational-life-insurance-gap-with-education\/","title":{"rendered":"Closing the generational life insurance gap with education"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Closing the generational life insurance gap with education<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/08\/Headshot.jpeg?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Samantha Chow<\/h5><h5 class=\"blog-date\">26 July 2023<\/h5><\/div><\/div><div class=\"brand-image\"> <\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>The percentage of Americans covered by <a href=\"https:\/\/insurancenewsnet.com\/innarticle\/life-insurance-industry-sales-focus-change-cited-in-falling-policy-counts\" target=\"_blank\" rel=\"noreferrer noopener\">life insurance has been steadily decreasing since the 1970s.<\/a><\/p>\n\n\n\n<p>My family is no exception.<\/p>\n\n\n\n<p>Traditionally, newborn life insurance policies protected against the financial burden of death. My great-grandmother purchased a $1,500 life insurance policy for my grandmother when she was born. When my mother was born, her grandmother bought one for her. Even my brother, only ten years older than me, has been insured since birth. As a child of the \u201870s, though, I was the first in generations not to be insured in childhood.<\/p>\n\n\n\n<p>Significant advances in healthcare, changes in the socioeconomic and demographic characteristics of the population and lower war casualty rates have led many to experience <strong>mortality resistance<\/strong>. Despite the recent pandemic, the threat of death feels less imminent than it once did and today, we are more likely to be able to cover the costs of a funeral. Therefore, the urgency to insure the lives of our loved ones \u2014&nbsp;and especially youngsters \u2014&nbsp;has subsided.<\/p>\n\n\n\n<p>Ultimately, this change has led to a startling reality: Less than 60% of Americans are currently covered by life insurance \u2014 a number that has declined steadily since 1971, <a href=\"https:\/\/www.annuity.org\/life-insurance\/statistics\/#:~:text=53%25%20of%20Americans%20ages%2045,older%20own%20life%20insurance%20policies\" target=\"_blank\" rel=\"noreferrer noopener\">with a 13% reduction in the last decade alon<\/a><a href=\"https:\/\/insurancenewsnet.com\/innarticle\/life-insurance-industry-sales-focus-change-cited-in-falling-policy-counts\" target=\"_blank\" rel=\"noreferrer noopener\">e<\/a>.<\/p>\n\n\n\n<p><strong><strong><strong><strong><strong><strong><strong>Mortality resilience and the growing generational wealth gap<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n\n\n\n<p><em>American adults continue to put short-term priorities ahead of saving for retirement or planning for a catastrophe. <a href=\"https:\/\/www.prnewswire.com\/news-releases\/2015-insurance-barometer-study-finds-americans-continue-to-overestimate-cost-of-life-insurance-300065321.html\" target=\"_blank\" rel=\"noreferrer noopener\">They prioritize vacations (29%), recreational activities (23%), and paying monthly bills (49-60%)<\/a>. Along with believing life insurance coverage is \u201ctoo expensive,\u201d many say they have \u201c<a href=\"https:\/\/info.limra.com\/gen-zy-barometer\" target=\"_blank\" rel=\"noreferrer noopener\">other financial priorities<\/a>\u201d &nbsp;beyond saving for what\u2019s next. As a result, less than half of Millennials and Gen Zers <a href=\"https:\/\/www.limra.com\/en\/newsroom\/news-releases\/2023\/new-study-shows-interest-in-life-insurance-at-all-time-high-in-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">currently have a life insurance policy<\/a>.<\/em><\/p>\n\n\n\n<p>And yet, global mortality resilience, a measurement of how resilient we are to death, is low, at just 43%, and the <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/sigma-2023-02.html\" target=\"_blank\" rel=\"noreferrer noopener\">global mortality protection gap hit a record $406 billion last year<\/a>. Both are key indicators that households are more vulnerable than ever to the loss of a breadwinner.<\/p>\n\n\n\n<p>At the same time, the majority of seniors today have life insurance coverage. And with the payout of their policies, we are about to experience the greatest wealth transfer the world has ever seen. The result is record-breaking distribution rates of death benefits, with <a href=\"https:\/\/www.iii.org\/publications\/a-firm-foundation-how-insurance-supports-the-economy\/supporting-businesses-workers-communities\/life-insurance-payouts#:~:text=Life%20insurance%20benefits%20and%20claims,with%20%24790.9%20billion%20in%202021.\" target=\"_blank\" rel=\"noreferrer noopener\">approximately $89 million in 2022, compared to $76 million paid out in 2019<\/a>.<\/p>\n\n\n\n<p>The question is: Will the beneficiaries of these policies \u2014 often Millennials and Gen Xers \u2014reinvest in securing their futures, and the future of those after them, with proper life insurance coverage?<\/p>\n\n\n\n<p><strong><strong><strong><strong><strong><strong><strong>Meeting the needs of the next generations<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n\n\n\n<p>Meeting the needs of the next generation will require education and innovation.<\/p>\n\n\n\n<p>For one, it is our responsibility to teach Millennials, Gen Xers (and younger generations) that the true value of a life insurance policy is not only realized after one\u2019s death but can also serve as income replacement, an investment vehicle, cover long term care \u2014 and more.<\/p>\n\n\n\n<p>We also need to build a library of policies that match the lifestyle choices of Millennials and Gen Xers to help bridge the gap. If Gen X wants to save, pay their bills and retire early, then maybe carriers need to reconsider offering a Return of Premium Term, for example, that returns the policy premium if the insured outlives the term.<\/p>\n\n\n\n<p>Here are examples of how two life insurance companies are already bridging the life insurance gap with education and product \u2014 across the generational and financial divide:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><strong><strong><strong><strong><strong><strong>Kemper Life Insurance :<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong> <\/strong>With a focus on low-income communities, Kemper\u2019s engagement approach is very personal. They provide door-to-door sales and premium collection services, establishing face-to-face relationships with their customers. While many are not in the financial position to purchase large life insurance policies, Kemper\u2019s goal is to help customers make the right financial decisions for their security whether it be life, accident and health or contents coverage.<\/li>\n\n\n\n<li><strong><strong><strong><strong><strong><strong><strong>Prudential Financial :<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong> <\/strong>Prudential\u2019s Stages for Retirement education program is designed to help younger generations prepare for retirement at every stage by providing personalized projections on how much they will need for retirement, which products will help them meet these projections over time and advice on how to reach savings goals throughout their lives.<\/li>\n<\/ul>\n\n\n\n<p>To move forward, we need to take a step back and reeducate everyone on the value of income replacement, debt payment, and cash value opportunities within life insurance policies, and to provide products that fit today\u2019s needs. The true value of life insurance has not changed; it\u2019s been forgotten. It\u2019s our job to help everyone remember.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Author<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\n<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider next\"><\/button><\/div><\/div><\/section>\n\n\n<section class=\"section latestStoriesBlock \"><div class=\"container\"><div class=\"contentTitle\"><h2 class=\"story-heading\">Related research and insights<\/h2><\/div><div class=\"bleedImageWrapper row \"><div class=\"col-md-4 storyBox\">\n\t\t\t\t\t<div class=\"storyInfo FirstStoryTextInFourStories\">\n\t\t\t\t\t\t<span class=\"storyTag\">Report<\/span>\n\t\t\t\t\t\t<a class=\"storyTitle\" href=\"\/insights\/research-library\/asset-retention-riding-the-great-wealth-transfer-wave\/\" aria-label=\"Asset retention: riding the great wealth transfer wave\" ><h3 class=\"story-subtitle\">Asset retention: riding the great wealth transfer wave<\/h3><\/a>\n\t\t\t\t\t\t<p>Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div class=\"col-md-8 storyBox\">\n\t\t\t\t<div class=\"imageWrapper imgWrapperFourStories escaper escaper-right\">\n\t\t\t\t\t<a href=\"\/insights\/research-library\/asset-retention-riding-the-great-wealth-transfer-wave\/\" aria-label=\"Asset retention: riding the great wealth transfer wave\"  tabindex=\"-1\">\n\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\">\n\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div><div class=\"row\"><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"\/insights\/research-library\/de-risk-legacy-to-redefine-engagement\/\" aria-label=\"De-risk legacy to redefine engagement\"  tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/De-risking-legacy-insurance.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/De-risking-legacy-insurance.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/De-risking-legacy-insurance.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/De-risking-legacy-insurance.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Report<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"\/insights\/research-library\/de-risk-legacy-to-redefine-engagement\/\"  aria-label=\"De-risk legacy to redefine engagement\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">De-risk legacy to redefine engagement<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"\/insights\/research-library\/claims-transformation-life-insurers-shouldnt-have-to-choose-between-caring-for-their-customers-and-their-assets\/\" aria-label=\"Life insurers shouldn\u2019t have to choose between caring for their customers and their assets\"  tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/Life-Insurance-Claims-Transformation.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Point of view<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"\/insights\/research-library\/claims-transformation-life-insurers-shouldnt-have-to-choose-between-caring-for-their-customers-and-their-assets\/\"  aria-label=\"Life insurers shouldn\u2019t have to choose between caring for their customers and their assets\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Life insurers shouldn\u2019t have to choose between caring for their customers and their assets<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/insurancenewsnet.com\/innarticle\/the-role-of-life-insurance-in-an-esg-focused-future\" aria-label=\"The role of life insurance in an ESG focused future\"  tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/ESG-Life-Insurance-role.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/ESG-Life-Insurance-role.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/ESG-Life-Insurance-role.jpg?w=300&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/ESG-Life-Insurance-role.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Article<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/insurancenewsnet.com\/innarticle\/the-role-of-life-insurance-in-an-esg-focused-future\"  aria-label=\"The role of life insurance in an ESG focused future\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">The role of life insurance in an ESG focused future<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Our expertise<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Insurance\" href=\"\/industries\/insurance\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Insurance<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>American adults continue to put short-term priorities ahead of saving for retirement or planning for a catastrophe.<\/p>\n","protected":false},"author":419,"featured_media":525036,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"6f6d3216-5b0d-4a00-b0f8-57618a8da642\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"This is a new blog post in the life insurance space that is relevant to the United States market. Please syndicate and promote on our Insurance services page.","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[],"industry":[118],"partners":[],"blog-topic":[47],"content-group":[],"class_list":["post-525035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","industry-insurance","blog-topic-customer-experience"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Closing Generational Life Insurance Gap with Education<\/title>\n<meta name=\"description\" content=\"Understand factors contributing to generational life insurance gap. 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