Hell's bells.

I gave up and cashed out a company paid whole life plan many years ago after a job change when I couldn't really afford it on my own, so I'm relying on term life now.

Changing employer plans (acquisition) and the new employer's plans/costs suck balls compared to my current employer. Their 401K contributions suck too FWIW. I'm also losing 30 hours of PTO. However, I'm work from home (with travel) so I can "work" those extra 30 hours from the lake as long as I'm not out on project and have mobile coverage...

Biggest kicker is we were previously able to have separate coverage amounts for Life and AD&D, and the AD&D supplemental add-ons were dirt cheap ($1.75 per $100K for spouse, less for me.) New plan is combined and I can't even get them to give me the details on the AD&D coverages, exceptions, etc. Costs for the same coverage with combined Life/AD&D are more than double and the guaranteed max (before requiring certificate of insurability) for my wife is half, which now has me considering at off-work plans. Probably something I should be looking at anyway as I've either got a high probability of retirement coming in 3 years, or unemployment in 3-6 months. If I can pay the same or less, and get a locked in rate for a 20-25 year policy, I think that make a little more sense.

Thankfully, we are blessed with excellent health coverage through my wife so I don't have that BS to worry about.