Keep in mind that usually life insurance through your employer does not leave with you when you leave work. If you get a new job, get fired, your company goes out of business, or you no longer work for the company, you may end up with no life insurance.

So, of instance, if it is 5 or 10 years from now and you decide to leave your job, you will at that time have to get your own individual life insurance if you have a need for life insurance. Now you are 5 or 10 years older and ...