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Employee benefits help provide a solid financial foundation for many U.S. workers. Seven in 10 have at least one employer-provided insurance policy other than health insurance this year.

"Insurance is the bread and butter of many financial advisors, but we must know what protections clients get at work to make sure our offerings are as beneficial as possible," said Greg Gagne, president of the Million Dollar Round Table. "At the same time, it is also advisors' responsibility to discuss the conditional nature of employment-based insurance with clients and how and when to add permanent coverage into the mix."

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