My hubby is in insurance. If your only life ins is through your employer, you could, depending on policy, be without a job or life insurance at a past your prime age. You should all check that you are covered in event of termination of employment for whatever reason. Easier to buy privately when you are younger, healthier and preferably employed than when older with health issues. Financial planning should start when young as possible and long term planning should not rest with one employer keeping you. They dont much do that anymore.
So far as jw life ins business. . .dont go for the low hanging fruit. Get quality customers that will not drop coverage the minute they are alarmed by a world event and would rather go out for dinner than pay their life insurance premiums when they are never going to die.