Do I still need a policy if I have insurance through an employer?
Individual life insurance gives you peace of mind that you’ve got the financial protection you need with no gaps in coverage. Often, employer-provided or group insurance is a small policy that won’t provide adequate financial protection for major financial responsibilities like paying for college or a mortgage. Also, since most people do not stay with the same employer for their career, there are limits to this coverage. For example, the life insurance coverage you get through work doesn’t always follow you if you leave the job.