The Risk You Don’t Know You’re Taking: Why Employer Benefits Aren’t Enough

In this episode of Coffee Meets Cloud, we sit down with insurance agency owner Mark Irwin for a conversation that hits closer to home than most people realize. From life insurance and disability coverage to the hidden gaps in employer-provided benefits, we unpack the risks many families don’t discover until it’s too late. Mark breaks down the common misconceptions around workplace coverage, what actually happens when you change jobs or retire, and why “having benefits” doesn’t always mean you’re truly protected. We also keep it real and practical — covering the difference between term and whole life insurance, the overlooked importance of disability coverage, and the simple questions everyone should ask about their current policies. Whether you’re early in your career, raising a family, or just trying to make smarter financial decisions, this episode is packed with insight that could change the way you think about protection and long-term stability. And of course, we start with coffee, comfort food, and Mark’s journey into the insurance world before diving into the bigger conversation.