November is a popular month for "open enrollment" — that time when you can choose from the options offered in your employer's benefits package. By making the right moves in some key areas — such as your 401(k) and life insurance — you can help protect your family and boost your progress toward your long-term financial goals.  Let's consider your 401(k) first. If you haven't taken part in your 401(k) plan, you need to review the benefits of this excellent retirement-savings vehicle. First, you contribute pretax dollars to a traditional 401(k), so the more you put in, the lower your adjusted …