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Does private unemployment insurance exist in the US?

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No Lifer
I think Aflac is if you get sick and I know most people have state-run unemployment insurance, but I cannot find any companies that appear to offer private UI. I think that seems a bit strange...
 
Seems like it wouldn't make much business. Private insurance works by the chance someone might happen, loosing a job has a pretty high chance of happening nowadays, most people don't stick to one company forever.
 
I've had my credit card companies and maybe banks too try to sell me something like insurance (on the phone) in case I get sick or can't pay my bills or something of the sort. I wasn't remotely interested, so I didn't get the details particularly.
 
Originally posted by: RichardE
Seems like it wouldn't make much business. Private insurance works by the chance someone might happen, loosing a job has a pretty high chance of happening nowadays, most people don't stick to one company forever.
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It would probably be pretty easy to defraud.
 
Yes, I do have it for my mortgage through BofA. Supposedly, they take care of my mortgage payments for a year if I get laid off.
 
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