The stats are well-known: Less than 60 percent of the United States population has life insurance.

Most consumers think they need more coverage, but don’t think they can afford it. In part, this is because the cost of life insurance is not widely understood: 80 percent of consumers misjudge the expense associated with term life insurance.

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Nichole Morford

As ALM's Digital Editor-in-Chief, Nichole Morford is responsible for the development of digital strategies to maximize web traffic, deepen audience engagement and effectively monetize digital products. Previously, as Editorial Lead, Digital Content Strategy for ALM's Insurance Group, Morford directed the digital strategy and growth of the division’s web products. Prior to joining ALM through the acquisition of Summit Professional Networks, Morford was managing editor of LifeHealthPro.com and managing editor of Agent's Sales Journal magazine. She started her career as an editor at Penguin Group.

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