When I landed my first job after college, my dad said, “How are the benefits?” I said, “They’re great. I’m living in New York City. I get to travel. I have a nice cube.”

Of course, my dad was referring to the benefits that didn’t much interest me. Unless I was in a car accident, health insurance was an afterthought. Unless I was in a tragic car accident, life insurance was a non-issue.

Life’s a lot different now...