Everyone probably needs some amount of insurance. If you have the capacity to get a policy through work and it's extremely affordable and portable, go for it. With that said, you may run into a few hurdles. Workplace policies can be restrictive, and even cost prohibitive in many industries. Buying a private life insurance policy means you have the ability to keep your policy no matter where you work (portability), you can control the cost (shop your rates), and you can control both the type and size of the policy (benefits). Life insurance statistics show a good portion of Americans still buy their policy through work, and it will likely continue for a long time, but there's a preference to be able to buy online this time around.