This is your periodic reminder that, if you have people who depend on you or causes that you support, 10 year term-life insurance is a product which is easy to buy when you are young and healthy and very inexpensive. Got married? Had a kid? Add a new policy on top of old one.
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I'd also expect, as a matter of social concern, that someone at the company would have a quick chat with your heirs which would mention that you had vested, unexercised options, provide heirs a copy of the legal agreements, and then say "Strongly suggest you talk to an attorney."
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