Why Buy Life Insurance Outside Of Work? 
The biggest reason to buy life insurance outside of work is so that you do not lose the life insurance when you leave your place of employment . That is not to say that you should not take advantage of the life insurance offered by your employer . It 's just a good idea to supplement your group coverage it with a private plan , so that you will be sure to have protection even if death occurs long after you retire , leave that job , or go on Disability . 