Work insurance and personal insurance serve different purposes, and understanding the difference can help you avoid unexpected financial risks. Employer-sponsored coverage may include health, disability, workers’ compensation, or life insurance, but it can have limits and may end when employment does. Personal policies can provide more control and continuity for your health, income, belongings, vehicle, and family’s financial security. These slides explain how the two types of coverage work together, where gaps commonly appear, and why reviewing benefits before a career or lifestyle change matters. Start by comparing policy terms, exclusions, deductibles, and limits with your current needs, then consult a licensed insurance professional for personalized guidance.