What Is Employee Supplemental Term Life Insurance? 
Employee Supplemental Term Insurance is offered to employees through their group health insurance . In addition to the life insurance built into their group plan they have the option to purchase additional coverage . Life insurance through your employer is a nice benefit , however keep in mind that when you leave your company , it usually goes away . A person needs to make sure he has enough life insurance purchased separately from group coverage to meet their needs when it is generally needed most . Most people do not plan on dying before age 80 . Make sure that the life insurance you own will meet your final expense needs when your time comes , whether it is 80 or 100 . 