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September 19, 2026

Is Your Employer's Life Insurance Enough?

Employer-provided life insurance is a useful starting point, but it comes with two limitations worth understanding.

It Doesn't Follow You

If you leave the job, whether by choice or not, that coverage often ends right along with your employment.

It's Often Not Enough

The amount offered through work is frequently lower than what your family would actually need, since it's usually a flat benefit or a modest multiple of salary.

The Takeaway

Employer coverage is a solid foundation, but it's worth supplementing with an individual policy rather than relying on workplace benefits alone to close the gap.

Check out our coverage guide for more detail, or request a personalized quote to see what fits your family.

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