The main difference is that Group Life is paid for by the employer. This places the employer in control of the level of cover and length of the policy.
A personal plan is set up and paid for by the individual. Premiums are taken from their own bank account.
It’s possible to be a member of a group plan as well as a personal Life Insurance policy. In fact, it’s recommended, as a group scheme may not provide enough cover for their dependents.
Staff can’t always guarantee that they’ll have group life cover protecting them. A personal policy is managed on an individual basis, helping to cover mortgages and any other debts.