My employer provides life insurance. Why should I buy more?

The group policy your employer provides may be affordable and easy to enroll in
without a medical exam. However, group policies may only pay an amount equal to one
or two years’ salary, or a similarly limited amount. That may not be enough to cover
your family’s needs (mortgage payments, education costs, living expenses) if you pass.
Also, you may not be able to take it with you if you change jobs. Having a personal
policy to supplement your employer-provided policy makes sense to ensure coverage
during all the ups and downs in your life.